NE6 Walker, Byker, Heaton cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £106,407
Input Equity (£26,602)
Total Input Equity (£26,602)
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 £106,407 £106,407 £106,407 £106,407 £106,407 £106,407 £106,407 £106,407 £106,407 £106,407 £106,407 £106,407
Finance Amount £79,805 £79,805 £77,421 £74,915 £72,281 £69,512 £66,601 £63,542 £60,326 £56,945 £53,391 £49,656
Monthly Mortgage   (£527) (£527) (£527) (£527) (£527) (£527) (£527) (£527) (£527) (£527) (£527)
Monthly Rental   £583 £583 £583 £583 £583 £583 £583 £583 £583 £583 £583
Yield to Purchase Price %   6.57% 6.57% 6.57% 6.57% 6.57% 6.57% 6.57% 6.57% 6.57% 6.57% 6.57%
Yield to Property Value %   6.57% 6.57% 6.57% 6.57% 6.57% 6.57% 6.57% 6.57% 6.57% 6.57% 6.57%
Gross Monthly Cashflow   £56 £56 £56 £56 £56 £56 £56 £56 £56 £56 £56
Gross Annual Cashflow   £670 £670 £670 £670 £670 £670 £670 £670 £670 £670 £670
Gross Annual Expenses                        
Annual Management Expenses   (£391) (£391) (£391) (£391) (£391) (£391) (£391) (£391) (£391) (£391) (£391)
Gross Annual Cashflow less Expenses   £321 £321 £321 £321 £321 £321 £321 £321 £321 £321 £321
Vacancy Expenses                        
Net Annual Cashflow   £321 £321 £321 £321 £321 £321 £321 £321 £321 £321 £321
Taxable Income   £670 £670 £670 £670 £670 £670 £670 £670 £670 £670 £670
Tax Payable                        
Net Annual Cashflow Less Tax   £321 £321 £321 £321 £321 £321 £321 £321 £321 £321 £321
Net Yield %   0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
Debt Coverage Ratio (1:x)   1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.05
Personal Equity £26,602 £26,602 £28,986 £31,492 £34,126 £36,895 £39,806 £42,865 £46,081 £49,462 £53,016 £56,751
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   £279 £2,663 £5,169 £7,803 £10,572 £13,483 £16,542 £19,759 £23,139 £26,693 £30,428
Return on Investment %   1.05% 10.01% 19.43% 29.33% 39.74% 50.68% 62.19% 74.28% 86.98% 100.34% 114.38%
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   £279 £2,610 £4,964 £7,344 £9,751 £12,187 £14,654 £17,153 £19,686 £22,255 £24,862
Real Return on Investment %   1.05% 9.81% 18.66% 27.61% 36.66% 45.81% 55.09% 64.48% 74.00% 83.66% 93.46%