NE70 Belford cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £278,199
Input Equity (£69,550)
Total Input Equity (£69,550)
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 £278,199 £278,199 £278,199 £278,199 £278,199 £278,199 £278,199 £278,199 £278,199 £278,199 £278,199 £278,199
Finance Amount £208,649 £208,649 £202,416 £195,864 £188,977 £181,738 £174,128 £166,129 £157,720 £148,882 £139,591 £129,825
Monthly Mortgage   (£1,377) (£1,377) (£1,377) (£1,377) (£1,377) (£1,377) (£1,377) (£1,377) (£1,377) (£1,377) (£1,377)
Monthly Rental   £546 £546 £546 £546 £546 £546 £546 £546 £546 £546 £546
Yield to Purchase Price %   2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35%
Yield to Property Value %   2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35%
Gross Monthly Cashflow   (£831) (£831) (£831) (£831) (£831) (£831) (£831) (£831) (£831) (£831) (£831)
Gross Annual Cashflow   (£9,975) (£9,975) (£9,975) (£9,975) (£9,975) (£9,975) (£9,975) (£9,975) (£9,975) (£9,975) (£9,975)
Gross Annual Expenses                        
Annual Management Expenses   (£367) (£367) (£367) (£367) (£367) (£367) (£367) (£367) (£367) (£367) (£367)
Gross Annual Cashflow less Expenses   (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303)
Vacancy Expenses                        
Net Annual Cashflow   (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303) (£10,303)
Net Yield %   (3.70%) (3.70%) (3.70%) (3.70%) (3.70%) (3.70%) (3.70%) (3.70%) (3.70%) (3.70%) (3.70%)
Debt Coverage Ratio (1:x)   0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38
Personal Equity £69,550 £69,550 £75,783 £82,335 £89,222 £96,461 £104,071 £112,070 £120,479 £129,317 £138,608 £148,374
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   (£10,342) (£4,109) £2,443 £9,330 £16,570 £24,179 £32,179 £40,587 £49,426 £58,716 £68,483
Return on Investment %   (14.87%) (5.91%) 3.51% 13.42% 23.82% 34.77% 46.27% 58.36% 71.07% 84.42% 98.47%
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   (£10,342) (£4,027) £2,346 £8,781 £15,283 £21,856 £28,505 £35,235 £42,050 £48,955 £55,955
Real Return on Investment %   (14.87%) (5.79%) 3.37% 12.63% 21.97% 31.43% 40.99% 50.66% 60.46% 70.39% 80.45%