NG14 Calverton, Lowdham cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £312,014
Input Equity (£78,004)
Total Input Equity (£78,004)
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 £312,014 £312,014 £312,014 £312,014 £312,014 £312,014 £312,014 £312,014 £312,014 £312,014 £312,014 £312,014
Finance Amount £234,011 £234,011 £227,020 £219,672 £211,947 £203,828 £195,293 £186,322 £176,891 £166,978 £156,558 £145,605
Monthly Mortgage   (£1,544) (£1,544) (£1,544) (£1,544) (£1,544) (£1,544) (£1,544) (£1,544) (£1,544) (£1,544) (£1,544)
Monthly Rental   £731 £731 £731 £731 £731 £731 £731 £731 £731 £731 £731
Yield to Purchase Price %   2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81%
Yield to Property Value %   2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81%
Gross Monthly Cashflow   (£813) (£813) (£813) (£813) (£813) (£813) (£813) (£813) (£813) (£813) (£813)
Gross Annual Cashflow   (£9,760) (£9,760) (£9,760) (£9,760) (£9,760) (£9,760) (£9,760) (£9,760) (£9,760) (£9,760) (£9,760)
Gross Annual Expenses                        
Annual Management Expenses   (£491) (£491) (£491) (£491) (£491) (£491) (£491) (£491) (£491) (£491) (£491)
Gross Annual Cashflow less Expenses   (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199)
Vacancy Expenses                        
Net Annual Cashflow   (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199) (£10,199)
Net Yield %   (3.27%) (3.27%) (3.27%) (3.27%) (3.27%) (3.27%) (3.27%) (3.27%) (3.27%) (3.27%) (3.27%)
Debt Coverage Ratio (1:x)   0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45
Personal Equity £78,004 £78,004 £84,994 £92,342 £100,067 £108,186 £116,721 £125,692 £135,123 £145,036 £155,456 £166,409
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   (£10,252) (£3,261) £4,087 £11,812 £19,931 £28,466 £37,437 £46,868 £56,781 £67,201 £78,154
Return on Investment %   (13.14%) (4.18%) 5.24% 15.14% 25.55% 36.49% 47.99% 60.08% 72.79% 86.15% 100.19%
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   (£10,252) (£3,196) £3,925 £11,117 £18,384 £25,731 £33,163 £40,687 £48,307 £56,028 £63,857
Real Return on Investment %   (13.14%) (4.10%) 5.03% 14.25% 23.57% 32.99% 42.52% 52.16% 61.93% 71.83% 81.86%