NG31 Grantham cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £144,253
Input Equity (£36,063)
Total Input Equity (£36,063)
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 £144,253 £144,253 £144,253 £144,253 £144,253 £144,253 £144,253 £144,253 £144,253 £144,253 £144,253 £144,253
Finance Amount £108,190 £108,190 £104,958 £101,560 £97,989 £94,236 £90,290 £86,142 £81,782 £77,199 £72,381 £67,317
Monthly Mortgage   (£714) (£714) (£714) (£714) (£714) (£714) (£714) (£714) (£714) (£714) (£714)
Monthly Rental   £589 £589 £589 £589 £589 £589 £589 £589 £589 £589 £589
Yield to Purchase Price %   4.90% 4.90% 4.90% 4.90% 4.90% 4.90% 4.90% 4.90% 4.90% 4.90% 4.90%
Yield to Property Value %   4.90% 4.90% 4.90% 4.90% 4.90% 4.90% 4.90% 4.90% 4.90% 4.90% 4.90%
Gross Monthly Cashflow   (£125) (£125) (£125) (£125) (£125) (£125) (£125) (£125) (£125) (£125) (£125)
Gross Annual Cashflow   (£1,499) (£1,499) (£1,499) (£1,499) (£1,499) (£1,499) (£1,499) (£1,499) (£1,499) (£1,499) (£1,499)
Gross Annual Expenses                        
Annual Management Expenses   (£396) (£396) (£396) (£396) (£396) (£396) (£396) (£396) (£396) (£396) (£396)
Gross Annual Cashflow less Expenses   (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852)
Vacancy Expenses                        
Net Annual Cashflow   (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852) (£1,852)
Net Yield %   (1.28%) (1.28%) (1.28%) (1.28%) (1.28%) (1.28%) (1.28%) (1.28%) (1.28%) (1.28%) (1.28%)
Debt Coverage Ratio (1:x)   0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78
Personal Equity £36,063 £36,063 £39,295 £42,693 £46,264 £50,018 £53,963 £58,111 £62,471 £67,054 £71,872 £76,936
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   (£1,895) £1,337 £4,735 £8,306 £12,060 £16,006 £20,153 £24,513 £29,096 £33,914 £38,978
Return on Investment %   (5.25%) 3.71% 13.13% 23.03% 33.44% 44.38% 55.88% 67.97% 80.68% 94.04% 108.08%
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   (£1,895) £1,311 £4,547 £7,817 £11,123 £14,468 £17,853 £21,281 £24,754 £28,276 £31,848
Real Return on Investment %   (5.25%) 3.63% 12.61% 21.68% 30.84% 40.12% 49.50% 59.01% 68.64% 78.41% 88.31%