NE49 Haltwhistle, Melkridge cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £221,330
Input Equity (£55,333)
Total Input Equity (£55,333)
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 £221,330 £221,330 £221,330 £221,330 £221,330 £221,330 £221,330 £221,330 £221,330 £221,330 £221,330 £221,330
Finance Amount £165,998 £165,998 £161,039 £155,826 £150,347 £144,587 £138,533 £132,169 £125,479 £118,448 £111,056 £103,286
Monthly Mortgage   (£1,096) (£1,096) (£1,096) (£1,096) (£1,096) (£1,096) (£1,096) (£1,096) (£1,096) (£1,096) (£1,096)
Monthly Rental   £505 £505 £505 £505 £505 £505 £505 £505 £505 £505 £505
Yield to Purchase Price %   2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74%
Yield to Property Value %   2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74%
Gross Monthly Cashflow   (£590) (£590) (£590) (£590) (£590) (£590) (£590) (£590) (£590) (£590) (£590)
Gross Annual Cashflow   (£7,085) (£7,085) (£7,085) (£7,085) (£7,085) (£7,085) (£7,085) (£7,085) (£7,085) (£7,085) (£7,085)
Gross Annual Expenses                        
Annual Management Expenses   (£339) (£339) (£339) (£339) (£339) (£339) (£339) (£339) (£339) (£339) (£339)
Gross Annual Cashflow less Expenses   (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388)
Vacancy Expenses                        
Net Annual Cashflow   (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388) (£7,388)
Net Yield %   (3.34%) (3.34%) (3.34%) (3.34%) (3.34%) (3.34%) (3.34%) (3.34%) (3.34%) (3.34%) (3.34%)
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 £55,333 £55,333 £60,291 £65,504 £70,983 £76,743 £82,797 £89,161 £95,851 £102,882 £110,274 £118,044
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   (£7,424) (£2,465) £2,747 £8,227 £13,986 £20,040 £26,404 £33,094 £40,126 £47,517 £55,287
Return on Investment %   (13.42%) (4.46%) 4.97% 14.87% 25.28% 36.22% 47.72% 59.81% 72.52% 85.88% 99.92%
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   (£7,424) (£2,416) £2,639 £7,743 £12,900 £18,115 £23,390 £28,730 £34,138 £39,618 £45,174
Real Return on Investment %   (13.42%) (4.37%) 4.77% 13.99% 23.31% 32.74% 42.27% 51.92% 61.70% 71.60% 81.64%