NE7 High Heaton, Benton cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £147,408
Input Equity (£36,852)
Total Input Equity (£36,852)
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 £147,408 £147,408 £147,408 £147,408 £147,408 £147,408 £147,408 £147,408 £147,408 £147,408 £147,408 £147,408
Finance Amount £110,556 £110,556 £107,253 £103,782 £100,132 £96,297 £92,264 £88,026 £83,571 £78,887 £73,964 £68,790
Monthly Mortgage   (£730) (£730) (£730) (£730) (£730) (£730) (£730) (£730) (£730) (£730) (£730)
Monthly Rental   £652 £652 £652 £652 £652 £652 £652 £652 £652 £652 £652
Yield to Purchase Price %   5.31% 5.31% 5.31% 5.31% 5.31% 5.31% 5.31% 5.31% 5.31% 5.31% 5.31%
Yield to Property Value %   5.31% 5.31% 5.31% 5.31% 5.31% 5.31% 5.31% 5.31% 5.31% 5.31% 5.31%
Gross Monthly Cashflow   (£78) (£78) (£78) (£78) (£78) (£78) (£78) (£78) (£78) (£78) (£78)
Gross Annual Cashflow   (£931) (£931) (£931) (£931) (£931) (£931) (£931) (£931) (£931) (£931) (£931)
Gross Annual Expenses                        
Annual Management Expenses   (£438) (£438) (£438) (£438) (£438) (£438) (£438) (£438) (£438) (£438) (£438)
Gross Annual Cashflow less Expenses   (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322)
Vacancy Expenses                        
Net Annual Cashflow   (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322) (£1,322)
Net Yield %   (0.90%) (0.90%) (0.90%) (0.90%) (0.90%) (0.90%) (0.90%) (0.90%) (0.90%) (0.90%) (0.90%)
Debt Coverage Ratio (1:x)   0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85
Personal Equity £36,852 £36,852 £40,155 £43,626 £47,276 £51,111 £55,144 £59,382 £63,837 £68,521 £73,444 £78,618
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   (£1,369) £1,934 £5,405 £9,054 £12,890 £16,923 £21,161 £25,616 £30,300 £35,223 £40,397
Return on Investment %   (3.71%) 5.25% 14.67% 24.57% 34.98% 45.92% 57.42% 69.51% 82.22% 95.58% 109.62%
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   (£1,369) £1,895 £5,191 £8,522 £11,890 £15,297 £18,745 £22,238 £25,778 £29,367 £33,008
Real Return on Investment %   (3.71%) 5.14% 14.09% 23.12% 32.26% 41.51% 50.87% 60.34% 69.95% 79.69% 89.57%