NE66 Alnwick, Alnmouth, Embleton, Powburn cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £266,983
Input Equity (£66,746)
Total Input Equity (£66,746)
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 £266,983 £266,983 £266,983 £266,983 £266,983 £266,983 £266,983 £266,983 £266,983 £266,983 £266,983 £266,983
Finance Amount £200,237 £200,237 £194,256 £187,968 £181,358 £174,411 £167,108 £159,431 £151,362 £142,879 £133,963 £124,591
Monthly Mortgage   (£1,321) (£1,321) (£1,321) (£1,321) (£1,321) (£1,321) (£1,321) (£1,321) (£1,321) (£1,321) (£1,321)
Monthly Rental   £591 £591 £591 £591 £591 £591 £591 £591 £591 £591 £591
Yield to Purchase Price %   2.65% 2.65% 2.65% 2.65% 2.65% 2.65% 2.65% 2.65% 2.65% 2.65% 2.65%
Yield to Property Value %   2.65% 2.65% 2.65% 2.65% 2.65% 2.65% 2.65% 2.65% 2.65% 2.65% 2.65%
Gross Monthly Cashflow   (£731) (£731) (£731) (£731) (£731) (£731) (£731) (£731) (£731) (£731) (£731)
Gross Annual Cashflow   (£8,770) (£8,770) (£8,770) (£8,770) (£8,770) (£8,770) (£8,770) (£8,770) (£8,770) (£8,770) (£8,770)
Gross Annual Expenses                        
Annual Management Expenses   (£397) (£397) (£397) (£397) (£397) (£397) (£397) (£397) (£397) (£397) (£397)
Gross Annual Cashflow less Expenses   (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124)
Vacancy Expenses                        
Net Annual Cashflow   (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124) (£9,124)
Net Yield %   (3.42%) (3.42%) (3.42%) (3.42%) (3.42%) (3.42%) (3.42%) (3.42%) (3.42%) (3.42%) (3.42%)
Debt Coverage Ratio (1:x)   0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42
Personal Equity £66,746 £66,746 £72,727 £79,015 £85,625 £92,572 £99,875 £107,552 £115,621 £124,104 £133,020 £142,392
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   (£9,167) (£3,185) £3,103 £9,712 £16,660 £23,963 £31,640 £39,709 £48,191 £57,108 £66,480
Return on Investment %   (13.73%) (4.77%) 4.65% 14.55% 24.96% 35.90% 47.40% 59.49% 72.20% 85.56% 99.60%
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   (£9,167) (£3,121) £2,980 £9,141 £15,367 £21,661 £28,028 £34,472 £40,999 £47,613 £54,319
Real Return on Investment %   (13.73%) (4.68%) 4.46% 13.70% 23.02% 32.45% 41.99% 51.65% 61.43% 71.34% 81.38%