NG10 Long Eaton, Sawley, Sandiacre cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £174,747
Input Equity (£43,687)
Total Input Equity (£43,687)
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 £174,747 £174,747 £174,747 £174,747 £174,747 £174,747 £174,747 £174,747 £174,747 £174,747 £174,747 £174,747
Finance Amount £131,060 £131,060 £127,145 £123,030 £118,704 £114,156 £109,376 £104,352 £99,070 £93,518 £87,682 £81,548
Monthly Mortgage   (£865) (£865) (£865) (£865) (£865) (£865) (£865) (£865) (£865) (£865) (£865)
Monthly Rental   £546 £546 £546 £546 £546 £546 £546 £546 £546 £546 £546
Yield to Purchase Price %   3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75%
Yield to Property Value %   3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75%
Gross Monthly Cashflow   (£319) (£319) (£319) (£319) (£319) (£319) (£319) (£319) (£319) (£319) (£319)
Gross Annual Cashflow   (£3,831) (£3,831) (£3,831) (£3,831) (£3,831) (£3,831) (£3,831) (£3,831) (£3,831) (£3,831) (£3,831)
Gross Annual Expenses                        
Annual Management Expenses   (£367) (£367) (£367) (£367) (£367) (£367) (£367) (£367) (£367) (£367) (£367)
Gross Annual Cashflow less Expenses   (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158)
Vacancy Expenses                        
Net Annual Cashflow   (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158) (£4,158)
Net Yield %   (2.38%) (2.38%) (2.38%) (2.38%) (2.38%) (2.38%) (2.38%) (2.38%) (2.38%) (2.38%) (2.38%)
Debt Coverage Ratio (1:x)   0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60
Personal Equity £43,687 £43,687 £47,602 £51,717 £56,043 £60,591 £65,371 £70,395 £75,677 £81,229 £87,065 £93,199
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   (£4,198) (£282) £3,833 £8,159 £12,706 £17,487 £22,511 £27,793 £33,345 £39,181 £45,315
Return on Investment %   (9.61%) (0.65%) 8.77% 18.68% 29.09% 40.03% 51.53% 63.62% 76.33% 89.69% 103.73%
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   (£4,198) (£277) £3,681 £7,679 £11,720 £15,806 £19,941 £24,128 £28,368 £32,667 £37,026
Real Return on Investment %   (9.61%) (0.63%) 8.43% 17.58% 26.83% 36.18% 45.65% 55.23% 64.94% 74.77% 84.75%