NE64 Newbiggin-by-the-Sea cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £91,178
Input Equity (£22,794)
Total Input Equity (£22,794)
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 £91,178 £91,178 £91,178 £91,178 £91,178 £91,178 £91,178 £91,178 £91,178 £91,178 £91,178 £91,178
Finance Amount £68,383 £68,383 £66,341 £64,193 £61,936 £59,563 £57,069 £54,448 £51,692 £48,795 £45,750 £42,549
Monthly Mortgage   (£451) (£451) (£451) (£451) (£451) (£451) (£451) (£451) (£451) (£451) (£451)
Monthly Rental   £495 £495 £495 £495 £495 £495 £495 £495 £495 £495 £495
Yield to Purchase Price %   6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52%
Yield to Property Value %   6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52%
Gross Monthly Cashflow   £44 £44 £44 £44 £44 £44 £44 £44 £44 £44 £44
Gross Annual Cashflow   £527 £527 £527 £527 £527 £527 £527 £527 £527 £527 £527
Gross Annual Expenses                        
Annual Management Expenses   (£333) (£333) (£333) (£333) (£333) (£333) (£333) (£333) (£333) (£333) (£333)
Gross Annual Cashflow less Expenses   £229 £229 £229 £229 £229 £229 £229 £229 £229 £229 £229
Vacancy Expenses                        
Net Annual Cashflow   £229 £229 £229 £229 £229 £229 £229 £229 £229 £229 £229
Taxable Income   £527 £527 £527 £527 £527 £527 £527 £527 £527 £527 £527
Tax Payable                        
Net Annual Cashflow Less Tax   £229 £229 £229 £229 £229 £229 £229 £229 £229 £229 £229
Net Yield %   0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
Debt Coverage Ratio (1:x)   1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04
Personal Equity £22,794 £22,794 £24,837 £26,985 £29,242 £31,614 £34,109 £36,730 £39,486 £42,383 £45,428 £48,629
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   £194 £2,237 £4,384 £6,641 £9,014 £11,508 £14,130 £16,885 £19,782 £22,827 £26,028
Return on Investment %   0.85% 9.81% 19.23% 29.13% 39.54% 50.49% 61.99% 74.08% 86.79% 100.14% 114.19%
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   £194 £2,192 £4,210 £6,251 £8,314 £10,402 £12,517 £14,659 £16,830 £19,032 £21,267
Real Return on Investment %   0.85% 9.62% 18.47% 27.42% 36.47% 45.64% 54.91% 64.31% 73.83% 83.49% 93.30%