NE5 Westerhope, Newcastle West cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £138,596
Input Equity (£34,649)
Total Input Equity (£34,649)
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 £138,596 £138,596 £138,596 £138,596 £138,596 £138,596 £138,596 £138,596 £138,596 £138,596 £138,596 £138,596
Finance Amount £103,947 £103,947 £100,842 £97,578 £94,147 £90,540 £86,749 £82,764 £78,575 £74,171 £69,543 £64,677
Monthly Mortgage   (£686) (£686) (£686) (£686) (£686) (£686) (£686) (£686) (£686) (£686) (£686)
Monthly Rental   £560 £560 £560 £560 £560 £560 £560 £560 £560 £560 £560
Yield to Purchase Price %   4.85% 4.85% 4.85% 4.85% 4.85% 4.85% 4.85% 4.85% 4.85% 4.85% 4.85%
Yield to Property Value %   4.85% 4.85% 4.85% 4.85% 4.85% 4.85% 4.85% 4.85% 4.85% 4.85% 4.85%
Gross Monthly Cashflow   (£126) (£126) (£126) (£126) (£126) (£126) (£126) (£126) (£126) (£126) (£126)
Gross Annual Cashflow   (£1,509) (£1,509) (£1,509) (£1,509) (£1,509) (£1,509) (£1,509) (£1,509) (£1,509) (£1,509) (£1,509)
Gross Annual Expenses                        
Annual Management Expenses   (£377) (£377) (£377) (£377) (£377) (£377) (£377) (£377) (£377) (£377) (£377)
Gross Annual Cashflow less Expenses   (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845)
Vacancy Expenses                        
Net Annual Cashflow   (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845) (£1,845)
Net Yield %   (1.33%) (1.33%) (1.33%) (1.33%) (1.33%) (1.33%) (1.33%) (1.33%) (1.33%) (1.33%) (1.33%)
Debt Coverage Ratio (1:x)   0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78
Personal Equity £34,649 £34,649 £37,754 £41,018 £44,449 £48,056 £51,847 £55,832 £60,021 £64,425 £69,053 £73,919
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   (£1,885) £1,220 £4,484 £7,915 £11,522 £15,313 £19,298 £23,487 £27,891 £32,519 £37,385
Return on Investment %   (5.44%) 3.52% 12.94% 22.84% 33.25% 44.19% 55.70% 67.79% 80.49% 93.85% 107.89%
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   (£1,885) £1,196 £4,307 £7,450 £10,627 £13,842 £17,095 £20,390 £23,728 £27,113 £30,546
Real Return on Investment %   (5.44%) 3.45% 12.43% 21.50% 30.67% 39.95% 49.34% 58.85% 68.48% 78.25% 88.16%