NG25 Southwell cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £333,980
Input Equity (£83,495)
Total Input Equity (£83,495)
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 £333,980 £333,980 £333,980 £333,980 £333,980 £333,980 £333,980 £333,980 £333,980 £333,980 £333,980 £333,980
Finance Amount £250,485 £250,485 £243,002 £235,137 £226,869 £218,178 £209,042 £199,439 £189,344 £178,734 £167,580 £155,856
Monthly Mortgage   (£1,653) (£1,653) (£1,653) (£1,653) (£1,653) (£1,653) (£1,653) (£1,653) (£1,653) (£1,653) (£1,653)
Monthly Rental   £670 £670 £670 £670 £670 £670 £670 £670 £670 £670 £670
Yield to Purchase Price %   2.41% 2.41% 2.41% 2.41% 2.41% 2.41% 2.41% 2.41% 2.41% 2.41% 2.41%
Yield to Property Value %   2.41% 2.41% 2.41% 2.41% 2.41% 2.41% 2.41% 2.41% 2.41% 2.41% 2.41%
Gross Monthly Cashflow   (£984) (£984) (£984) (£984) (£984) (£984) (£984) (£984) (£984) (£984) (£984)
Gross Annual Cashflow   (£11,803) (£11,803) (£11,803) (£11,803) (£11,803) (£11,803) (£11,803) (£11,803) (£11,803) (£11,803) (£11,803)
Gross Annual Expenses                        
Annual Management Expenses   (£450) (£450) (£450) (£450) (£450) (£450) (£450) (£450) (£450) (£450) (£450)
Gross Annual Cashflow less Expenses   (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204)
Vacancy Expenses                        
Net Annual Cashflow   (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204) (£12,204)
Net Yield %   (3.65%) (3.65%) (3.65%) (3.65%) (3.65%) (3.65%) (3.65%) (3.65%) (3.65%) (3.65%) (3.65%)
Debt Coverage Ratio (1:x)   0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38
Personal Equity £83,495 £83,495 £90,978 £98,843 £107,111 £115,802 £124,938 £134,541 £144,636 £155,246 £166,400 £178,124
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   (£12,253) (£4,770) £3,096 £11,364 £20,055 £29,190 £38,794 £48,888 £59,499 £70,652 £82,377
Return on Investment %   (14.67%) (5.71%) 3.71% 13.61% 24.02% 34.96% 46.46% 58.55% 71.26% 84.62% 98.66%
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   (£12,253) (£4,674) £2,973 £10,695 £18,498 £26,386 £34,365 £42,441 £50,619 £58,906 £67,308
Real Return on Investment %   (14.67%) (5.60%) 3.56% 12.81% 22.15% 31.60% 41.16% 50.83% 60.63% 70.55% 80.61%