NE47 Allendale Town, Allenheads, Haydon Bridge, Bardon Mill cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £318,858
Input Equity (£79,715)
Total Input Equity (£79,715)
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 £318,858 £318,858 £318,858 £318,858 £318,858 £318,858 £318,858 £318,858 £318,858 £318,858 £318,858 £318,858
Finance Amount £239,144 £239,144 £232,000 £224,490 £216,596 £208,299 £199,577 £190,409 £180,771 £170,641 £159,992 £148,799
Monthly Mortgage   (£1,578) (£1,578) (£1,578) (£1,578) (£1,578) (£1,578) (£1,578) (£1,578) (£1,578) (£1,578) (£1,578)
Monthly Rental   £633 £633 £633 £633 £633 £633 £633 £633 £633 £633 £633
Yield to Purchase Price %   2.38% 2.38% 2.38% 2.38% 2.38% 2.38% 2.38% 2.38% 2.38% 2.38% 2.38%
Yield to Property Value %   2.38% 2.38% 2.38% 2.38% 2.38% 2.38% 2.38% 2.38% 2.38% 2.38% 2.38%
Gross Monthly Cashflow   (£946) (£946) (£946) (£946) (£946) (£946) (£946) (£946) (£946) (£946) (£946)
Gross Annual Cashflow   (£11,346) (£11,346) (£11,346) (£11,346) (£11,346) (£11,346) (£11,346) (£11,346) (£11,346) (£11,346) (£11,346)
Gross Annual Expenses                        
Annual Management Expenses   (£425) (£425) (£425) (£425) (£425) (£425) (£425) (£425) (£425) (£425) (£425)
Gross Annual Cashflow less Expenses   (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726)
Vacancy Expenses                        
Net Annual Cashflow   (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726) (£11,726)
Net Yield %   (3.68%) (3.68%) (3.68%) (3.68%) (3.68%) (3.68%) (3.68%) (3.68%) (3.68%) (3.68%) (3.68%)
Debt Coverage Ratio (1:x)   0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38
Personal Equity £79,715 £79,715 £86,858 £94,368 £102,262 £110,559 £119,281 £128,449 £138,087 £148,217 £158,866 £170,059
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   (£11,771) (£4,627) £2,882 £10,776 £19,073 £27,795 £36,963 £46,601 £56,731 £67,380 £78,573
Return on Investment %   (14.77%) (5.81%) 3.62% 13.52% 23.93% 34.87% 46.37% 58.46% 71.17% 84.53% 98.57%
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   (£11,771) (£4,535) £2,768 £10,142 £17,592 £25,125 £32,744 £40,455 £48,265 £56,178 £64,200
Real Return on Investment %   (14.77%) (5.69%) 3.47% 12.72% 22.07% 31.52% 41.08% 50.75% 60.55% 70.47% 80.54%