NE42 West Wylam, Prudhoe, Ovingham, Ovington cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £190,537
Input Equity (£47,634)
Total Input Equity (£47,634)
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 £190,537 £190,537 £190,537 £190,537 £190,537 £190,537 £190,537 £190,537 £190,537 £190,537 £190,537 £190,537
Finance Amount £142,903 £142,903 £138,634 £134,146 £129,430 £124,471 £119,259 £113,781 £108,022 £101,968 £95,605 £88,916
Monthly Mortgage   (£943) (£943) (£943) (£943) (£943) (£943) (£943) (£943) (£943) (£943) (£943)
Monthly Rental   £494 £494 £494 £494 £494 £494 £494 £494 £494 £494 £494
Yield to Purchase Price %   3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11%
Yield to Property Value %   3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11%
Gross Monthly Cashflow   (£449) (£449) (£449) (£449) (£449) (£449) (£449) (£449) (£449) (£449) (£449)
Gross Annual Cashflow   (£5,389) (£5,389) (£5,389) (£5,389) (£5,389) (£5,389) (£5,389) (£5,389) (£5,389) (£5,389) (£5,389)
Gross Annual Expenses                        
Annual Management Expenses   (£332) (£332) (£332) (£332) (£332) (£332) (£332) (£332) (£332) (£332) (£332)
Gross Annual Cashflow less Expenses   (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685)
Vacancy Expenses                        
Net Annual Cashflow   (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685) (£5,685)
Net Yield %   (2.98%) (2.98%) (2.98%) (2.98%) (2.98%) (2.98%) (2.98%) (2.98%) (2.98%) (2.98%) (2.98%)
Debt Coverage Ratio (1:x)   0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50
Personal Equity £47,634 £47,634 £51,903 £56,391 £61,108 £66,066 £71,278 £76,756 £82,515 £88,569 £94,932 £101,621
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   (£5,721) (£1,452) £3,035 £7,752 £12,711 £17,923 £23,401 £29,160 £35,214 £41,577 £48,266
Return on Investment %   (12.01%) (3.05%) 6.37% 16.27% 26.68% 37.63% 49.13% 61.22% 73.92% 87.28% 101.33%
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   (£5,721) (£1,423) £2,915 £7,296 £11,724 £16,201 £20,730 £25,315 £29,958 £34,665 £39,437
Real Return on Investment %   (12.01%) (2.99%) 6.12% 15.32% 24.61% 34.01% 43.52% 53.14% 62.89% 72.77% 82.79%