NG32 Grantham, Croxton Kerrial, Sedgebrook cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £298,445
Input Equity (£74,611)
Total Input Equity (£74,611)
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 £298,445 £298,445 £298,445 £298,445 £298,445 £298,445 £298,445 £298,445 £298,445 £298,445 £298,445 £298,445
Finance Amount £223,834 £223,834 £217,147 £210,118 £202,730 £194,964 £186,800 £178,219 £169,198 £159,717 £149,750 £139,273
Monthly Mortgage   (£1,477) (£1,477) (£1,477) (£1,477) (£1,477) (£1,477) (£1,477) (£1,477) (£1,477) (£1,477) (£1,477)
Monthly Rental   £786 £786 £786 £786 £786 £786 £786 £786 £786 £786 £786
Yield to Purchase Price %   3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16%
Yield to Property Value %   3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16%
Gross Monthly Cashflow   (£691) (£691) (£691) (£691) (£691) (£691) (£691) (£691) (£691) (£691) (£691)
Gross Annual Cashflow   (£8,294) (£8,294) (£8,294) (£8,294) (£8,294) (£8,294) (£8,294) (£8,294) (£8,294) (£8,294) (£8,294)
Gross Annual Expenses                        
Annual Management Expenses   (£528) (£528) (£528) (£528) (£528) (£528) (£528) (£528) (£528) (£528) (£528)
Gross Annual Cashflow less Expenses   (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766)
Vacancy Expenses                        
Net Annual Cashflow   (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766) (£8,766)
Net Yield %   (2.94%) (2.94%) (2.94%) (2.94%) (2.94%) (2.94%) (2.94%) (2.94%) (2.94%) (2.94%) (2.94%)
Debt Coverage Ratio (1:x)   0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51
Personal Equity £74,611 £74,611 £81,298 £88,327 £95,715 £103,481 £111,645 £120,226 £129,247 £138,728 £148,695 £159,172
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   (£8,822) (£2,136) £4,893 £12,281 £20,048 £28,211 £36,793 £45,813 £55,295 £65,262 £75,739
Return on Investment %   (11.82%) (2.86%) 6.56% 16.46% 26.87% 37.81% 49.31% 61.40% 74.11% 87.47% 101.51%
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   (£8,822) (£2,093) £4,699 £11,559 £18,491 £25,501 £32,592 £39,771 £47,043 £54,412 £61,884
Real Return on Investment %   (11.82%) (2.81%) 6.30% 15.49% 24.78% 34.18% 43.68% 53.30% 63.05% 72.93% 82.94%