NE46 Hexham, Anick, Oakwood, Acomb cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £359,803
Input Equity (£89,951)
Total Input Equity (£89,951)
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 £359,803 £359,803 £359,803 £359,803 £359,803 £359,803 £359,803 £359,803 £359,803 £359,803 £359,803 £359,803
Finance Amount £269,852 £269,852 £261,791 £253,317 £244,410 £235,047 £225,205 £214,859 £203,984 £192,553 £180,537 £167,906
Monthly Mortgage   (£1,781) (£1,781) (£1,781) (£1,781) (£1,781) (£1,781) (£1,781) (£1,781) (£1,781) (£1,781) (£1,781)
Monthly Rental   £641 £641 £641 £641 £641 £641 £641 £641 £641 £641 £641
Yield to Purchase Price %   2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14%
Yield to Property Value %   2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14%
Gross Monthly Cashflow   (£1,140) (£1,140) (£1,140) (£1,140) (£1,140) (£1,140) (£1,140) (£1,140) (£1,140) (£1,140) (£1,140)
Gross Annual Cashflow   (£13,677) (£13,677) (£13,677) (£13,677) (£13,677) (£13,677) (£13,677) (£13,677) (£13,677) (£13,677) (£13,677)
Gross Annual Expenses                        
Annual Management Expenses   (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431)
Gross Annual Cashflow less Expenses   (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061)
Vacancy Expenses                        
Net Annual Cashflow   (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061) (£14,061)
Net Yield %   (3.91%) (3.91%) (3.91%) (3.91%) (3.91%) (3.91%) (3.91%) (3.91%) (3.91%) (3.91%) (3.91%)
Debt Coverage Ratio (1:x)   0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34
Personal Equity £89,951 £89,951 £98,012 £106,486 £115,393 £124,756 £134,598 £144,944 £155,819 £167,250 £179,266 £191,897
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   (£14,108) (£6,046) £2,428 £11,335 £20,698 £30,540 £40,885 £51,760 £63,192 £75,208 £87,839
Return on Investment %   (15.68%) (6.72%) 2.70% 12.60% 23.01% 33.95% 45.45% 57.54% 70.25% 83.61% 97.65%
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   (£14,108) (£5,925) £2,331 £10,668 £19,091 £27,606 £36,218 £44,934 £53,761 £62,704 £71,770
Real Return on Investment %   (15.68%) (6.59%) 2.59% 11.86% 21.22% 30.69% 40.26% 49.95% 59.77% 69.71% 79.79%