NE65 Rothbury, Longhorsley, Felton, Amble cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £298,408
Input Equity (£74,602)
Total Input Equity (£74,602)
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 £298,408 £298,408 £298,408 £298,408 £298,408 £298,408 £298,408 £298,408 £298,408 £298,408 £298,408 £298,408
Finance Amount £223,806 £223,806 £217,120 £210,092 £202,705 £194,940 £186,777 £178,197 £169,178 £159,697 £149,731 £139,255
Monthly Mortgage   (£1,477) (£1,477) (£1,477) (£1,477) (£1,477) (£1,477) (£1,477) (£1,477) (£1,477) (£1,477) (£1,477)
Monthly Rental   £568 £568 £568 £568 £568 £568 £568 £568 £568 £568 £568
Yield to Purchase Price %   2.28% 2.28% 2.28% 2.28% 2.28% 2.28% 2.28% 2.28% 2.28% 2.28% 2.28%
Yield to Property Value %   2.28% 2.28% 2.28% 2.28% 2.28% 2.28% 2.28% 2.28% 2.28% 2.28% 2.28%
Gross Monthly Cashflow   (£909) (£909) (£909) (£909) (£909) (£909) (£909) (£909) (£909) (£909) (£909)
Gross Annual Cashflow   (£10,906) (£10,906) (£10,906) (£10,906) (£10,906) (£10,906) (£10,906) (£10,906) (£10,906) (£10,906) (£10,906)
Gross Annual Expenses                        
Annual Management Expenses   (£382) (£382) (£382) (£382) (£382) (£382) (£382) (£382) (£382) (£382) (£382)
Gross Annual Cashflow less Expenses   (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247)
Vacancy Expenses                        
Net Annual Cashflow   (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247) (£11,247)
Net Yield %   (3.77%) (3.77%) (3.77%) (3.77%) (3.77%) (3.77%) (3.77%) (3.77%) (3.77%) (3.77%) (3.77%)
Debt Coverage Ratio (1:x)   0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37
Personal Equity £74,602 £74,602 £81,288 £88,316 £95,703 £103,468 £111,631 £120,211 £129,231 £138,711 £148,677 £159,153
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   (£11,288) (£4,602) £2,426 £9,813 £17,578 £25,741 £34,321 £43,341 £52,821 £62,787 £73,263
Return on Investment %   (15.13%) (6.17%) 3.25% 13.15% 23.56% 34.50% 46.01% 58.10% 70.80% 84.16% 98.20%
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   (£11,288) (£4,510) £2,330 £9,236 £16,214 £23,268 £30,403 £37,625 £44,938 £52,349 £59,861
Real Return on Investment %   (15.13%) (6.05%) 3.12% 12.38% 21.73% 31.19% 40.75% 50.43% 60.24% 70.17% 80.24%