NN1 Northampton cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £143,536
Input Equity (£35,884)
Total Input Equity (£35,884)
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 £143,536 £143,536 £143,536 £143,536 £143,536 £143,536 £143,536 £143,536 £143,536 £143,536 £143,536 £143,536
Finance Amount £107,652 £107,652 £104,436 £101,056 £97,502 £93,767 £89,841 £85,714 £81,375 £76,815 £72,022 £66,983
Monthly Mortgage   (£710) (£710) (£710) (£710) (£710) (£710) (£710) (£710) (£710) (£710) (£710)
Monthly Rental   £700 £700 £700 £700 £700 £700 £700 £700 £700 £700 £700
Yield to Purchase Price %   5.85% 5.85% 5.85% 5.85% 5.85% 5.85% 5.85% 5.85% 5.85% 5.85% 5.85%
Yield to Property Value %   5.85% 5.85% 5.85% 5.85% 5.85% 5.85% 5.85% 5.85% 5.85% 5.85% 5.85%
Gross Monthly Cashflow   (£11) (£11) (£11) (£11) (£11) (£11) (£11) (£11) (£11) (£11) (£11)
Gross Annual Cashflow   (£129) (£129) (£129) (£129) (£129) (£129) (£129) (£129) (£129) (£129) (£129)
Gross Annual Expenses                        
Annual Management Expenses   (£470) (£470) (£470) (£470) (£470) (£470) (£470) (£470) (£470) (£470) (£470)
Gross Annual Cashflow less Expenses   (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549)
Vacancy Expenses                        
Net Annual Cashflow   (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549)
Net Yield %   (0.38%) (0.38%) (0.38%) (0.38%) (0.38%) (0.38%) (0.38%) (0.38%) (0.38%) (0.38%) (0.38%)
Debt Coverage Ratio (1:x)   0.94 0.94 0.94 0.94 0.94 0.94 0.94 0.94 0.94 0.94 0.94
Personal Equity £35,884 £35,884 £39,100 £42,480 £46,034 £49,769 £53,695 £57,822 £62,161 £66,721 £71,514 £76,553
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   (£599) £2,617 £5,997 £9,551 £13,286 £17,212 £21,339 £25,678 £30,238 £35,031 £40,070
Return on Investment %   (1.67%) 7.29% 16.71% 26.62% 37.02% 47.97% 59.47% 71.56% 84.27% 97.62% 111.67%
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   (£599) £2,565 £5,760 £8,989 £12,254 £15,558 £18,903 £22,291 £25,725 £29,207 £32,740
Real Return on Investment %   (1.67%) 7.15% 16.05% 25.05% 34.15% 43.36% 52.68% 62.12% 71.69% 81.39% 91.24%