NG8 Aspley, Wollaton, Whitemoor, Bilborough cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £137,972
Input Equity (£34,493)
Total Input Equity (£34,493)
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 £137,972 £137,972 £137,972 £137,972 £137,972 £137,972 £137,972 £137,972 £137,972 £137,972 £137,972 £137,972
Finance Amount £103,479 £103,479 £100,388 £97,138 £93,723 £90,132 £86,358 £82,391 £78,221 £73,837 £69,230 £64,386
Monthly Mortgage   (£683) (£683) (£683) (£683) (£683) (£683) (£683) (£683) (£683) (£683) (£683)
Monthly Rental   £614 £614 £614 £614 £614 £614 £614 £614 £614 £614 £614
Yield to Purchase Price %   5.34% 5.34% 5.34% 5.34% 5.34% 5.34% 5.34% 5.34% 5.34% 5.34% 5.34%
Yield to Property Value %   5.34% 5.34% 5.34% 5.34% 5.34% 5.34% 5.34% 5.34% 5.34% 5.34% 5.34%
Gross Monthly Cashflow   (£69) (£69) (£69) (£69) (£69) (£69) (£69) (£69) (£69) (£69) (£69)
Gross Annual Cashflow   (£826) (£826) (£826) (£826) (£826) (£826) (£826) (£826) (£826) (£826) (£826)
Gross Annual Expenses                        
Annual Management Expenses   (£413) (£413) (£413) (£413) (£413) (£413) (£413) (£413) (£413) (£413) (£413)
Gross Annual Cashflow less Expenses   (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195)
Vacancy Expenses                        
Net Annual Cashflow   (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195) (£1,195)
Net Yield %   (0.87%) (0.87%) (0.87%) (0.87%) (0.87%) (0.87%) (0.87%) (0.87%) (0.87%) (0.87%) (0.87%)
Debt Coverage Ratio (1:x)   0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85
Personal Equity £34,493 £34,493 £37,584 £40,834 £44,249 £47,840 £51,614 £55,581 £59,751 £64,135 £68,742 £73,586
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   (£1,239) £1,852 £5,102 £8,517 £12,108 £15,882 £19,849 £24,019 £28,403 £33,010 £37,854
Return on Investment %   (3.59%) 5.37% 14.79% 24.69% 35.10% 46.04% 57.55% 69.64% 82.34% 95.70% 109.74%
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   (£1,239) £1,815 £4,900 £8,017 £11,168 £14,356 £17,583 £20,852 £24,164 £27,522 £30,929
Real Return on Investment %   (3.59%) 5.26% 14.21% 23.24% 32.38% 41.62% 50.98% 60.45% 70.05% 79.79% 89.67%