NG22 Newark-on-Trent cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £273,179
Input Equity (£68,295)
Total Input Equity (£68,295)
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 £273,179 £273,179 £273,179 £273,179 £273,179 £273,179 £273,179 £273,179 £273,179 £273,179 £273,179 £273,179
Finance Amount £204,884 £204,884 £198,764 £192,330 £185,567 £178,458 £170,986 £163,131 £154,874 £146,195 £137,072 £127,482
Monthly Mortgage   (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352)
Monthly Rental   £645 £645 £645 £645 £645 £645 £645 £645 £645 £645 £645
Yield to Purchase Price %   2.83% 2.83% 2.83% 2.83% 2.83% 2.83% 2.83% 2.83% 2.83% 2.83% 2.83%
Yield to Property Value %   2.83% 2.83% 2.83% 2.83% 2.83% 2.83% 2.83% 2.83% 2.83% 2.83% 2.83%
Gross Monthly Cashflow   (£707) (£707) (£707) (£707) (£707) (£707) (£707) (£707) (£707) (£707) (£707)
Gross Annual Cashflow   (£8,481) (£8,481) (£8,481) (£8,481) (£8,481) (£8,481) (£8,481) (£8,481) (£8,481) (£8,481) (£8,481)
Gross Annual Expenses                        
Annual Management Expenses   (£434) (£434) (£434) (£434) (£434) (£434) (£434) (£434) (£434) (£434) (£434)
Gross Annual Cashflow less Expenses   (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868)
Vacancy Expenses                        
Net Annual Cashflow   (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868) (£8,868)
Net Yield %   (3.25%) (3.25%) (3.25%) (3.25%) (3.25%) (3.25%) (3.25%) (3.25%) (3.25%) (3.25%) (3.25%)
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 £68,295 £68,295 £74,415 £80,849 £87,612 £94,721 £102,193 £110,048 £118,305 £126,984 £136,107 £145,697
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   (£8,915) (£2,794) £3,639 £10,402 £17,511 £24,984 £32,838 £41,095 £49,774 £58,897 £68,487
Return on Investment %   (13.05%) (4.09%) 5.33% 15.23% 25.64% 36.58% 48.08% 60.17% 72.88% 86.24% 100.28%
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   (£8,915) (£2,738) £3,495 £9,790 £16,152 £22,583 £29,090 £35,676 £42,346 £49,106 £55,959
Real Return on Investment %   (13.05%) (4.01%) 5.12% 14.34% 23.65% 33.07% 42.59% 52.24% 62.00% 71.90% 81.94%