NG23 Newark-on-Trent cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £291,233
Input Equity (£72,808)
Total Input Equity (£72,808)
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 £291,233 £291,233 £291,233 £291,233 £291,233 £291,233 £291,233 £291,233 £291,233 £291,233 £291,233 £291,233
Finance Amount £218,425 £218,425 £211,900 £205,041 £197,831 £190,252 £182,286 £173,912 £165,110 £155,857 £146,131 £135,907
Monthly Mortgage   (£1,442) (£1,442) (£1,442) (£1,442) (£1,442) (£1,442) (£1,442) (£1,442) (£1,442) (£1,442) (£1,442)
Monthly Rental   £709 £709 £709 £709 £709 £709 £709 £709 £709 £709 £709
Yield to Purchase Price %   2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92%
Yield to Property Value %   2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92%
Gross Monthly Cashflow   (£733) (£733) (£733) (£733) (£733) (£733) (£733) (£733) (£733) (£733) (£733)
Gross Annual Cashflow   (£8,796) (£8,796) (£8,796) (£8,796) (£8,796) (£8,796) (£8,796) (£8,796) (£8,796) (£8,796) (£8,796)
Gross Annual Expenses                        
Annual Management Expenses   (£476) (£476) (£476) (£476) (£476) (£476) (£476) (£476) (£476) (£476) (£476)
Gross Annual Cashflow less Expenses   (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221)
Vacancy Expenses                        
Net Annual Cashflow   (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221) (£9,221)
Net Yield %   (3.17%) (3.17%) (3.17%) (3.17%) (3.17%) (3.17%) (3.17%) (3.17%) (3.17%) (3.17%) (3.17%)
Debt Coverage Ratio (1:x)   0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47
Personal Equity £72,808 £72,808 £79,333 £86,192 £93,402 £100,981 £108,947 £117,321 £126,123 £135,376 £145,102 £155,326
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   (£9,272) (£2,747) £4,112 £11,322 £18,900 £26,867 £35,241 £44,043 £53,296 £63,022 £73,245
Return on Investment %   (12.73%) (3.77%) 5.65% 15.55% 25.96% 36.90% 48.40% 60.49% 73.20% 86.56% 100.60%
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   (£9,272) (£2,692) £3,949 £10,656 £17,433 £24,285 £31,218 £38,235 £45,342 £52,544 £59,847
Real Return on Investment %   (12.73%) (3.70%) 5.42% 14.64% 23.94% 33.36% 42.88% 52.51% 62.28% 72.17% 82.20%