NE44 Riding Mill, Broomhaugh cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £346,510
Input Equity (£86,628)
Total Input Equity (£86,628)
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 £346,510 £346,510 £346,510 £346,510 £346,510 £346,510 £346,510 £346,510 £346,510 £346,510 £346,510 £346,510
Finance Amount £259,883 £259,883 £252,119 £243,958 £235,380 £226,363 £216,885 £206,921 £196,448 £185,439 £173,867 £161,703
Monthly Mortgage   (£1,715) (£1,715) (£1,715) (£1,715) (£1,715) (£1,715) (£1,715) (£1,715) (£1,715) (£1,715) (£1,715)
Monthly Rental   £803 £803 £803 £803 £803 £803 £803 £803 £803 £803 £803
Yield to Purchase Price %   2.78% 2.78% 2.78% 2.78% 2.78% 2.78% 2.78% 2.78% 2.78% 2.78% 2.78%
Yield to Property Value %   2.78% 2.78% 2.78% 2.78% 2.78% 2.78% 2.78% 2.78% 2.78% 2.78% 2.78%
Gross Monthly Cashflow   (£912) (£912) (£912) (£912) (£912) (£912) (£912) (£912) (£912) (£912) (£912)
Gross Annual Cashflow   (£10,945) (£10,945) (£10,945) (£10,945) (£10,945) (£10,945) (£10,945) (£10,945) (£10,945) (£10,945) (£10,945)
Gross Annual Expenses                        
Annual Management Expenses   (£540) (£540) (£540) (£540) (£540) (£540) (£540) (£540) (£540) (£540) (£540)
Gross Annual Cashflow less Expenses   (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427)
Vacancy Expenses                        
Net Annual Cashflow   (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427) (£11,427)
Net Yield %   (3.30%) (3.30%) (3.30%) (3.30%) (3.30%) (3.30%) (3.30%) (3.30%) (3.30%) (3.30%) (3.30%)
Debt Coverage Ratio (1:x)   0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44
Personal Equity £86,628 £86,628 £94,391 £102,552 £111,130 £120,147 £129,625 £139,589 £150,062 £161,071 £172,643 £184,807
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   (£11,485) (£3,721) £4,440 £13,018 £22,035 £31,513 £41,477 £51,950 £62,959 £74,531 £86,695
Return on Investment %   (13.26%) (4.30%) 5.12% 15.03% 25.44% 36.38% 47.88% 59.97% 72.68% 86.04% 100.08%
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   (£11,485) (£3,647) £4,264 £12,252 £20,324 £28,486 £36,742 £45,099 £53,563 £62,140 £70,836
Real Return on Investment %   (13.26%) (4.21%) 4.92% 14.14% 23.46% 32.88% 42.41% 52.06% 61.83% 71.73% 81.77%