NE4 Fenham, West Gate, Wingrove cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £118,822
Input Equity (£29,706)
Input Equity FX (£29,706)
Total Input Equity (£29,706)
Total Input Equity FX (£29,706)
Item On Purchase On Completion Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Property Price/Value £118,822 £118,822 £118,822 £118,822 £118,822 £118,822 £118,822 £118,822 £118,822 £118,822 £118,822 £118,822
Finance Amount £89,117 £89,117 £86,454 £83,656 £80,714 £77,622 £74,372 £70,956 £67,364 £63,589 £59,621 £55,450
Monthly Mortgage   (£588) (£588) (£588) (£588) (£588) (£588) (£588) (£588) (£588) (£588) (£588)
Monthly Rental   £599 £599 £599 £599 £599 £599 £599 £599 £599 £599 £599
Yield to Purchase Price %   6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05%
Yield to Property Value %   6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05%
Gross Monthly Cashflow   £11 £11 £11 £11 £11 £11 £11 £11 £11 £11 £11
Gross Annual Cashflow   £126 £126 £126 £126 £126 £126 £126 £126 £126 £126 £126
Gross Annual Expenses                        
Annual Management Expenses   (£402) (£402) (£402) (£402) (£402) (£402) (£402) (£402) (£402) (£402) (£402)
Gross Annual Cashflow less Expenses   (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233)
Vacancy Expenses                        
Net Annual Cashflow   (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233)
Taxable Income   £126 £126 £126 £126 £126 £126 £126 £126 £126 £126 £126
Tax Payable                        
Net Annual Cashflow Less Tax   (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233)
Net Yield %   (0.20%) (0.20%) (0.20%) (0.20%) (0.20%) (0.20%) (0.20%) (0.20%) (0.20%) (0.20%) (0.20%)
Debt Coverage Ratio (1:x)   0.97 0.97 0.97 0.97 0.97 0.97 0.97 0.97 0.97 0.97 0.97
Personal Equity £29,706 £29,706 £32,368 £35,166 £38,108 £41,200 £44,450 £47,866 £51,458 £55,233 £59,201 £63,372
Effective Gearing % 75.00% 75.00% 72.76% 70.40% 67.93% 65.33% 62.59% 59.72% 56.69% 53.52% 50.18% 46.67%
Potential Profit   (£276) £2,386 £5,185 £8,126 £11,218 £14,468 £17,885 £21,476 £25,251 £29,220 £33,391
Return on Investment %   (0.93%) 8.03% 17.45% 27.36% 37.76% 48.71% 60.21% 72.30% 85.01% 98.36% 112.41%
Cumulative Inflation Rate %     2.00% 4.04% 6.12% 8.24% 10.41% 12.62% 14.87% 17.17% 19.51% 21.90%
Real Potential Profit   (£276) £2,338 £4,979 £7,648 £10,347 £13,078 £15,843 £18,644 £21,483 £24,362 £27,283
Real Return on Investment %   (0.93%) 7.87% 16.76% 25.75% 34.83% 44.03% 53.33% 62.76% 72.32% 82.01% 91.84%