NE48 Bellingham, Kielder, Wark cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £237,601
Input Equity (£59,400)
Total Input Equity (£59,400)
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 £237,601 £237,601 £237,601 £237,601 £237,601 £237,601 £237,601 £237,601 £237,601 £237,601 £237,601 £237,601
Finance Amount £178,201 £178,201 £172,877 £167,282 £161,400 £155,217 £148,717 £141,885 £134,704 £127,155 £119,220 £110,879
Monthly Mortgage   (£1,176) (£1,176) (£1,176) (£1,176) (£1,176) (£1,176) (£1,176) (£1,176) (£1,176) (£1,176) (£1,176)
Monthly Rental   £549 £549 £549 £549 £549 £549 £549 £549 £549 £549 £549
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   (£627) (£627) (£627) (£627) (£627) (£627) (£627) (£627) (£627) (£627) (£627)
Gross Annual Cashflow   (£7,519) (£7,519) (£7,519) (£7,519) (£7,519) (£7,519) (£7,519) (£7,519) (£7,519) (£7,519) (£7,519)
Gross Annual Expenses                        
Annual Management Expenses   (£369) (£369) (£369) (£369) (£369) (£369) (£369) (£369) (£369) (£369) (£369)
Gross Annual Cashflow less Expenses   (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848)
Vacancy Expenses                        
Net Annual Cashflow   (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848) (£7,848)
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 £59,400 £59,400 £64,724 £70,319 £76,201 £82,384 £88,884 £95,716 £102,897 £110,446 £118,381 £126,722
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   (£7,888) (£2,565) £3,031 £8,913 £15,096 £21,596 £28,427 £35,609 £43,158 £51,093 £59,434
Return on Investment %   (13.28%) (4.32%) 5.10% 15.01% 25.41% 36.36% 47.86% 59.95% 72.66% 86.01% 100.06%
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   (£7,888) (£2,513) £2,911 £8,389 £13,924 £19,521 £25,182 £30,913 £36,717 £42,598 £48,562
Real Return on Investment %   (13.28%) (4.23%) 4.90% 14.12% 23.44% 32.86% 42.39% 52.04% 61.81% 71.71% 81.75%