NE8 Gateshead, Bensham cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £114,032
Input Equity (£28,508)
Input Equity FX (£28,508)
Total Input Equity (£28,508)
Total Input Equity FX (£28,508)
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 £114,032 £114,032 £114,032 £114,032 £114,032 £114,032 £114,032 £114,032 £114,032 £114,032 £114,032 £114,032
Finance Amount £85,524 £85,524 £82,969 £80,284 £77,461 £74,493 £71,374 £68,095 £64,649 £61,026 £57,217 £53,214
Monthly Mortgage   (£564) (£564) (£564) (£564) (£564) (£564) (£564) (£564) (£564) (£564) (£564)
Monthly Rental   £581 £581 £581 £581 £581 £581 £581 £581 £581 £581 £581
Yield to Purchase Price %   6.11% 6.11% 6.11% 6.11% 6.11% 6.11% 6.11% 6.11% 6.11% 6.11% 6.11%
Yield to Property Value %   6.11% 6.11% 6.11% 6.11% 6.11% 6.11% 6.11% 6.11% 6.11% 6.11% 6.11%
Gross Monthly Cashflow   £16 £16 £16 £16 £16 £16 £16 £16 £16 £16 £16
Gross Annual Cashflow   £195 £195 £195 £195 £195 £195 £195 £195 £195 £195 £195
Gross Annual Expenses                        
Annual Management Expenses   (£390) (£390) (£390) (£390) (£390) (£390) (£390) (£390) (£390) (£390) (£390)
Gross Annual Cashflow less Expenses   (£154) (£154) (£154) (£154) (£154) (£154) (£154) (£154) (£154) (£154) (£154)
Vacancy Expenses                        
Net Annual Cashflow   (£154) (£154) (£154) (£154) (£154) (£154) (£154) (£154) (£154) (£154) (£154)
Taxable Income   £195 £195 £195 £195 £195 £195 £195 £195 £195 £195 £195
Tax Payable                        
Net Annual Cashflow Less Tax   (£154) (£154) (£154) (£154) (£154) (£154) (£154) (£154) (£154) (£154) (£154)
Net Yield %   (0.13%) (0.13%) (0.13%) (0.13%) (0.13%) (0.13%) (0.13%) (0.13%) (0.13%) (0.13%) (0.13%)
Debt Coverage Ratio (1:x)   0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98
Personal Equity £28,508 £28,508 £31,063 £33,748 £36,571 £39,539 £42,658 £45,937 £49,383 £53,006 £56,815 £60,818
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   (£195) £2,359 £5,045 £7,868 £10,835 £13,955 £17,233 £20,680 £24,303 £28,111 £32,114
Return on Investment %   (0.69%) 8.28% 17.70% 27.60% 38.01% 48.95% 60.45% 72.54% 85.25% 98.61% 112.65%
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   (£195) £2,312 £4,845 £7,405 £9,994 £12,614 £15,266 £17,953 £20,676 £23,438 £26,240
Real Return on Investment %   (0.69%) 8.11% 17.00% 25.98% 35.06% 44.25% 53.55% 62.97% 72.53% 82.21% 92.04%