NN8 Wellingborough, Wilby cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £160,094
Input Equity (£40,024)
Total Input Equity (£40,024)
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 £160,094 £160,094 £160,094 £160,094 £160,094 £160,094 £160,094 £160,094 £160,094 £160,094 £160,094 £160,094
Finance Amount £120,071 £120,071 £116,484 £112,713 £108,750 £104,584 £100,205 £95,601 £90,763 £85,676 £80,330 £74,710
Monthly Mortgage   (£792) (£792) (£792) (£792) (£792) (£792) (£792) (£792) (£792) (£792) (£792)
Monthly Rental   £615 £615 £615 £615 £615 £615 £615 £615 £615 £615 £615
Yield to Purchase Price %   4.61% 4.61% 4.61% 4.61% 4.61% 4.61% 4.61% 4.61% 4.61% 4.61% 4.61%
Yield to Property Value %   4.61% 4.61% 4.61% 4.61% 4.61% 4.61% 4.61% 4.61% 4.61% 4.61% 4.61%
Gross Monthly Cashflow   (£177) (£177) (£177) (£177) (£177) (£177) (£177) (£177) (£177) (£177) (£177)
Gross Annual Cashflow   (£2,124) (£2,124) (£2,124) (£2,124) (£2,124) (£2,124) (£2,124) (£2,124) (£2,124) (£2,124) (£2,124)
Gross Annual Expenses                        
Annual Management Expenses   (£414) (£414) (£414) (£414) (£414) (£414) (£414) (£414) (£414) (£414) (£414)
Gross Annual Cashflow less Expenses   (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493)
Vacancy Expenses                        
Net Annual Cashflow   (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493) (£2,493)
Net Yield %   (1.56%) (1.56%) (1.56%) (1.56%) (1.56%) (1.56%) (1.56%) (1.56%) (1.56%) (1.56%) (1.56%)
Debt Coverage Ratio (1:x)   0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74
Personal Equity £40,024 £40,024 £43,610 £47,381 £51,344 £55,510 £59,889 £64,493 £69,331 £74,418 £79,764 £85,384
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   (£2,538) £1,049 £4,820 £8,783 £12,949 £17,328 £21,931 £26,770 £31,857 £37,203 £42,823
Return on Investment %   (6.34%) 2.62% 12.04% 21.94% 32.35% 43.30% 54.80% 66.89% 79.59% 92.95% 107.00%
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   (£2,538) £1,028 £4,629 £8,266 £11,944 £15,663 £19,428 £23,240 £27,102 £31,018 £34,990
Real Return on Investment %   (6.34%) 2.57% 11.57% 20.65% 29.84% 39.14% 48.54% 58.07% 67.72% 77.50% 87.42%