NE68 Seahouses, North Sunderland cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £195,629
Input Equity (£48,907)
Total Input Equity (£48,907)
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 £195,629 £195,629 £195,629 £195,629 £195,629 £195,629 £195,629 £195,629 £195,629 £195,629 £195,629 £195,629
Finance Amount £146,722 £146,722 £142,339 £137,731 £132,888 £127,798 £122,446 £116,821 £110,909 £104,693 £98,160 £91,293
Monthly Mortgage   (£968) (£968) (£968) (£968) (£968) (£968) (£968) (£968) (£968) (£968) (£968)
Monthly Rental   £809 £809 £809 £809 £809 £809 £809 £809 £809 £809 £809
Yield to Purchase Price %   4.96% 4.96% 4.96% 4.96% 4.96% 4.96% 4.96% 4.96% 4.96% 4.96% 4.96%
Yield to Property Value %   4.96% 4.96% 4.96% 4.96% 4.96% 4.96% 4.96% 4.96% 4.96% 4.96% 4.96%
Gross Monthly Cashflow   (£159) (£159) (£159) (£159) (£159) (£159) (£159) (£159) (£159) (£159) (£159)
Gross Annual Cashflow   (£1,908) (£1,908) (£1,908) (£1,908) (£1,908) (£1,908) (£1,908) (£1,908) (£1,908) (£1,908) (£1,908)
Gross Annual Expenses                        
Annual Management Expenses   (£544) (£544) (£544) (£544) (£544) (£544) (£544) (£544) (£544) (£544) (£544)
Gross Annual Cashflow less Expenses   (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393)
Vacancy Expenses                        
Net Annual Cashflow   (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393)
Net Yield %   (1.22%) (1.22%) (1.22%) (1.22%) (1.22%) (1.22%) (1.22%) (1.22%) (1.22%) (1.22%) (1.22%)
Debt Coverage Ratio (1:x)   0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79
Personal Equity £48,907 £48,907 £53,290 £57,898 £62,741 £67,831 £73,183 £78,808 £84,720 £90,936 £97,469 £104,337
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   (£2,451) £1,932 £6,539 £11,382 £16,473 £21,824 £27,449 £33,362 £39,577 £46,110 £52,978
Return on Investment %   (5.01%) 3.95% 13.37% 23.27% 33.68% 44.62% 56.12% 68.21% 80.92% 94.28% 108.32%
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   (£2,451) £1,893 £6,280 £10,713 £15,194 £19,727 £24,315 £28,962 £33,671 £38,444 £43,287
Real Return on Investment %   (5.01%) 3.87% 12.84% 21.90% 31.07% 40.34% 49.72% 59.22% 68.85% 78.61% 88.51%