NE69 Bamburgh cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £305,170
Input Equity (£76,293)
Total Input Equity (£76,293)
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 £305,170 £305,170 £305,170 £305,170 £305,170 £305,170 £305,170 £305,170 £305,170 £305,170 £305,170 £305,170
Finance Amount £228,878 £228,878 £222,040 £214,853 £207,298 £199,357 £191,009 £182,235 £173,011 £163,316 £153,124 £142,411
Monthly Mortgage   (£1,510) (£1,510) (£1,510) (£1,510) (£1,510) (£1,510) (£1,510) (£1,510) (£1,510) (£1,510) (£1,510)
Monthly Rental   £843 £843 £843 £843 £843 £843 £843 £843 £843 £843 £843
Yield to Purchase Price %   3.32% 3.32% 3.32% 3.32% 3.32% 3.32% 3.32% 3.32% 3.32% 3.32% 3.32%
Yield to Property Value %   3.32% 3.32% 3.32% 3.32% 3.32% 3.32% 3.32% 3.32% 3.32% 3.32% 3.32%
Gross Monthly Cashflow   (£667) (£667) (£667) (£667) (£667) (£667) (£667) (£667) (£667) (£667) (£667)
Gross Annual Cashflow   (£8,006) (£8,006) (£8,006) (£8,006) (£8,006) (£8,006) (£8,006) (£8,006) (£8,006) (£8,006) (£8,006)
Gross Annual Expenses                        
Annual Management Expenses   (£567) (£567) (£567) (£567) (£567) (£567) (£567) (£567) (£567) (£567) (£567)
Gross Annual Cashflow less Expenses   (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512)
Vacancy Expenses                        
Net Annual Cashflow   (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512) (£8,512)
Net Yield %   (2.79%) (2.79%) (2.79%) (2.79%) (2.79%) (2.79%) (2.79%) (2.79%) (2.79%) (2.79%) (2.79%)
Debt Coverage Ratio (1:x)   0.53 0.53 0.53 0.53 0.53 0.53 0.53 0.53 0.53 0.53 0.53
Personal Equity £76,293 £76,293 £83,130 £90,317 £97,872 £105,813 £114,161 £122,935 £132,159 £141,854 £152,046 £162,759
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   (£8,573) (£1,735) £5,452 £13,007 £20,948 £29,296 £38,070 £47,294 £56,989 £67,181 £77,894
Return on Investment %   (11.24%) (2.27%) 7.15% 17.05% 27.46% 38.40% 49.90% 61.99% 74.70% 88.06% 102.10%
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   (£8,573) (£1,701) £5,236 £12,242 £19,322 £26,481 £33,724 £41,057 £48,484 £56,012 £63,645
Real Return on Investment %   (11.24%) (2.23%) 6.86% 16.05% 25.33% 34.71% 44.20% 53.82% 63.55% 73.42% 83.42%