House Purchase Cashflow Projection

Body

This has been designed to work out whether a property is affordable and at what rent level(s). As well as establishing you projects viability you'll need something like this when you apply for a mortgage or other loan.

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Income & Expenditure
Ongoing
Income Rent (£ per week) # of rooms Rent level 1 Rent level 2 Rent level 3 Rent level 4 total rent incomes >> 0
Maximum Total Income per period >>
Expenses Voids House insurance Accountant Maintenance Council tax RR Service payments FSA Fee Other EBS Mortgage Radical Routes Loan 0.00 0.00 Set aside for loanstock Total Expenses per year >>
10%
Ongoing Surplus >>
Day One
Day 1 income: Total Mortgage type loans Total Loanstock Other ( usually donations ! ) Total Day 1 income >> Purchase costs: Purchase price Stamp duty land tax (SDLT) Legal fees Survey Mortgage fees
3%
RR Loan fees Other Loan fees other purchase costs Start-up costs: Initial purchases moving costs day 1 work Total Day 1 costs >>
Day 1 surplus >>
Yearly 0 0 0 0
Monthly 0 0 0 0
Weekly 0 0 0 0
Add the rent level & number of rooms available here You can use other rows if you anticipate there will be different A good start rent is the Local Housing Authority (LHA) rent lev lha-direct.voa.gov.uk
0
0
0
There are several potential rent levels just incase, it's unlikely
Yearly 0.00
Monthly 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Monthly 0.00
Weekly 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Weekly 0.00
The estimated percentage of rooms that are unoccupied each The yearly cost of buildings / contents insurance The yearly accounting cost for the co-op The yearly maintenance budget, this depends largely on the s The yearly council tax, this can be found out by...
0.00 0.00 0.00 0.00 0.00 0.00 Yearly 0.00
This is information is got from from information you enter in the
0.00 0.00
0.00
0.00 amount (£) 0
Percent of purchase price made up with mortgage type loans This is calculated from the loans sheet Add any other monies, for example donations or starting balance.
0 0 0
This page is used to calculate the amount of tax owed as SDLT because of the sale of the The latest thresholds can be found at : This will usually cost? This will usually cost about £1000 to £1500 0.75% of mortgage
0 0 0 0 0 0
0
put this in as £350 unless told otherwise - it is likely that this will be lower, but it could be h Add any other potential one off purchase costs in here.
This could include furniture, carpets etc Removal companies, van hire, pizzas for friends helping you move :-) Cost of building works that must be completed in year one
0.00
This should be positive but not much above zero, or you will almost certainly be borrowing
oms available here icipate there will be different rent levels, eg larger rooms, self contained bedsits etc sing Authority (LHA) rent level, which is the max rent that they will pay to people on housing benefit, you can find out more at:
evels just incase, it's unlikely you'll need them all
ms that are unoccupied each year, it adjusts the total yearly rental income to a more realistic level to take account of gaps when people ents insurance
his depends largely on the state of the house. £1000 a year is a rough minimum e found out by...
m information you enter in the Loans sheet
LT because of the sale of the property. It is calculated as a % of the purchase price and goes up as the property price increases. www.hmrc.gov.uk/sdlt/rates-thresholds.htm
will be lower, but it could be higher too depending on how much work it is.
almost certainly be borrowing more money than you need, and paying interest on it!
ou can find out more at:
ake account of gaps when people move in or out.
he property price increases.
Loans
Day One Mortgage type loans
Length [yrs]
Loan 1 Loan 2 Loan 3 Loan 4
30 15
Please note the rr loan run by icof uses a slightly different formula to calculate the monthly repayment. This means it will not be exactly as shown - but should be close enough. Please also note that RR can vary their interest rate but for the purposes of the model spreadsheet we work on
Day One Loanstock
estimated? Length [yrs] 3 3 3 3 3
5 5 5 5 5
10 10 10 10 10
15 15 15 15
15
20 20 20 20 20
25 25 25 25 25
30 30 30 30 30
35 35 35 35 35
Future Loanstock (Refinancing)
At: Year 5 (pay back yr 15) Length [yrs] 10 10
Year 10 (pay back in year 20)
10 10
Year 15 (pay back in year 25)
10 10
Year 20 (pay back in year 30)
10 10
Year 25 (pay back in year 35)
10 10
Year 30 (pay back in year 40)
10 10
Year 35 (pay back in year 45)
10 10
e type loans
fixed or vairable?
Lender
Amount
Interest
EBS Mortgage Radical Routes Loan
5.75% 6.00%
variable fixed
Sub total
0
by icof uses a slightly different formula to calculate the monthly repayment. xactly as shown - but should be close enough. an vary their interest rate but for the purposes of the model spreadsheet we work on the assumption that it is fixed.
Lender
Amount
Interest
0.0% 1.0% 2.0% 3.0% 4.0%
3 Year Sub Total £0.00
0.0% 1.0% 2.0% 3.0% 4.0%
5 Year Sub Total £0.00
0.0% 1.0% 2.0% 3.0% 4.0%
10 Year Sub Total £0.00
0.0% 1.0% 2.0% 3.0%
4.0%
15 Year Sub Total £0.00
0.0% 1.0% 2.0% 3.0% 4.0%
20 Year Sub Total £0.00
0.0% 1.0% 2.0% 3.0% 4.0%
25 Year Sub Total £0.00
0.0% 1.0% 2.0% 3.0% 4.0%
30 Year Sub Total £0.00
0.0% 1.0% 2.0% 3.0% 4.0%
35 Year Sub Total £0.00
£0.00
(Refinancing)
Lender Amount Interest
2.0% 4.0%
SubTotal £0.00
2.0% 4.0%
SubTotal £0.00
2.0% 4.0%
SubTotal £0.00
2.0% 4.0%
SubTotal £0.00
2.0% 4.0%
SubTotal £0.00
2.0% 4.0%
SubTotal £0.00
2.0% 4.0%
SubTotal £0.00 £0.00
Yr 1 capital reypayment holday?
Monthly Cost
Yearly Cost
Total repaid
no
£0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00
Monthly Cost 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00 0 0 0 0
Yearly Cost 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00 0 0 0 0
Total repaid 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00 0 0 0 0
0 £0.00 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00
0 £0.00 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00
0 £0.00 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00 0 0 0 0 0 £0.00
£0.00
£0.00
£0.00
Monthly Cost £0.00 £0.00 £0.00
Yearly Cost 0 0 £0.00
Total repaid £0.00 £0.00 £0.00
£0.00 £0.00 £0.00
0 0 £0.00
£0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
0 0 £0.00 0 0 £0.00 0 0 £0.00 0 0 £0.00 0 0 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
Year
1
2
3
4
Adjustment to starting rate ( from 40 yr breakdown ) for variable interest rates Loan 1 PMT Loan 2 PMT Loan 3 PMT Loan 4 PMT Yearly Cost Adjusted for capital repayment holiday Loan 1 PMT Loan 2 PMT Loan 3 PMT Loan 4 PMT monthly cost for one yr breakdown 0.00 0.00 0.00 0.00 0.00 1 0.00 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 2 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 3 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 4 0.00 0.00 0.00 0.00
5
6
7
8
9
10
11
0.00% 0.00 0.00 0.00 0.00 0.00 5 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 6 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 7 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 8 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 9 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 10 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 11 0.00 0.00 0.00 0.00
12
13
14
15
16
17
18
0.00% 0.00 0.00 0.00 0.00 0.00 12 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 13 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 14 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 15 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 16 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 17 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 18 0.00 0.00 0.00 0.00
19
20
21
22
23
24
25
0.00% 0.00 0.00 0.00 0.00 0.00 19 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 20 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 21 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 22 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 23 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 24 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 25 0.00 0.00 0.00 0.00
26
27
28
29
30
31
32
0.00% 0.00 0.00 0.00 0.00 0.00 26 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 27 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 28 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 29 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 30 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 31 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 32 0.00 0.00 0.00 0.00
33
34
35
36
37
38
39
0.00% 0.00 0.00 0.00 0.00 0.00 33 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 34 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 35 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 36 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 37 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 38 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 39 0.00 0.00 0.00 0.00
40
41
42
43
44
45
46
0.00% 0.00 0.00 0.00 0.00 0.00 40 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 41 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 42 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 43 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 44 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 45 0.00 0.00 0.00 0.00
0.00% 0.00 0.00 0.00 0.00 0.00 46 0.00 0.00 0.00 0.00
Year One Monthly Breakdown
IN Loanstock Mortgage and RR or other loans Other (one off ) no. of rents Rent level 1 Rent level 2 Rent Level 3 Rent Level 4 Total rent Other TOTAL IN OUT Purchase Price Stamp Duty Purchase costs Start-up costs Insurance Maintenance/renovation Accountant RR service payments FSA fee Council tax Mortgage and RR/other loan repayments Other TOTAL OUT Surplus Balance £0.00 £0.00 £0.00 £0.00 £0.00 0 0 0 0 0 Jan £0.00 £0.00 £0.00 no. of rents 0 0 0 0 0 no. of rents 0 0 0 0 0 Feb Mar
0
0.00
0
0.00
0
0.00
0.00
£0.00 £0.00 0 0.00
0.00
0.00
0 0.00
0 0.00
0
0.00 0.00 0.00
0
0.00 0.00 0.00
0
0.00 0.00 0.00
This spreadsheet makes sure there is enough cash in the bank in the first year when there will possibly be lots of ex
Apr
May
Jun
Jul
Aug
Sep
no. of rents 0 0 0 0 0
no. of rents 0 0 0 0 0
no. of rents 0 0 0 0 0
no. of rents 0 0 0 0 0
no. of rents 0 0 0 0 0
no. of rents
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0.00
£0.00 0 0.00
0.00
0.00
0.00
£0.00
0.00
0 0.00
0 0.00
0 0.00
0 0.00
0
0.00 0.00 0.00
0
0.00 0.00 0.00
0
0.00 0.00 0.00
0
0.00 0.00 0.00
0
0.00 0.00 0.00
will possibly be lots of extra payments just after the house has been purchased and full rental income might not have been achieved
Sep
Oct
Nov
Dec
Year totals
no. of rents 0 0 0 0 0 0 0 0 0 0
no. of rents 0 0 0 0 0
no. of rents 0 0 0 0 0 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 0.00
0
0.00
0
0.00
0
0.00
0
0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 0.00 0.00 0.00
0.00
0.00
£0.00
0.00
0.00
0
0 0.00
0 0.00
0 0.00
0 0.00
0
0.00 0.00 0.00
0
0.00 0.00 0.00
0
0.00 0.00 0.00
0
0.00 0.00 0.00
ght not have been achieved
0
Comparison figures from 30-year breakdown:
£0.00
0.00
£0.00 £0.00 £0.00 day 1 work: £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
0.00 0.00 0.00
40 Year Breakdown
Rate of Inflation Bank Interest Rate
2.0% 1.0%
Mortgage Interest rate change? Adjusted main loan rate Total adj. to any other variable loans Void change this year? Voids this year Rent increase? Rent 1 charged this year
Yearly changes
5.75%
0.00% 10.00% 0
5.75% 0.00% 10.00% 0
5.75% 0.00% 10.00% 0
5.75% 0.00% 10.00% 0
5.75% 0.00% 10.00%
5
5
Year
IN Loanstock Mortgage + RR/other loans Other Rental income Interest from bank Total IN
1
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00
2
3
4
5
£0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
Year
OUT Total Purchase Costs Extraordinary maintenance Voids Insurance Maintenance Accountant RR service payments FSA fee council tax Other EBS Mortgage Radical Routes Loan 0 0 Total Loans
1
£0.00 n/a £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
2
n/a
3
n/a
4
n/a
5
n/a
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
Mortgage Type Loans
These are increased yearly by inflation
£0.00
£0.00
£0.00
£0.00
£0.00
Total OUT
£0.00
£0.00
£0.00
£0.00
£0.00
Year
SURPLUS Loanstock Repayments BALANCE 3 Year Loanstock 5 Year Loanstock 10 Year Loanstock 15 Year Loanstock 20 Year Loanstock 25 Year Loanstock 30 Year Loanstock 35 Year Loanstock 10 Year Loanstock at Year 5 10 Year Loanstock at Year 10 10 Year Loanstock at Year 15 10 Year Loanstock at Year 20 10 Year Loanstock at Year 25 10 Year Loanstock at Year 30 10 Year Loanstock at Year 35 Refinancing Total Set aside for Loanstock From Day One From Future Refinancing
1
£0.00
2
£0.00
3
£0.00 £0.00
4
£0.00
5
£0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
Set aside for Refinced Loanstock
Set aside for Loanstock
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£10,000.00
Balance £
£0.00 1 2 3 4 5 6 7 8 9 10 11 12 13 14
15
5.75% 0.00% 10.00% 5
5.75% 0.00% 10.00% 5
5.75% 0.00% 10.00% 5
5.75% 0.00% 10.00% 5
5.75% 0.00% 10.00%
5.75% 0.00% 10.00% 10
5.75% 0.00% 10.00% 10
5.75% 0.00% 10.00% 10
5.75% 0.00% 10.00% 10
5.75% 0.00% 10.00%
5
10
5
15
6
7
8
9
10
£0.00
11
12
13
14
15
£0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
6
n/a
7
n/a
8
n/a
9
n/a
10
n/a
11
n/a
12
n/a
13
n/a
14
n/a
15
n/a
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
6
£0.00
7
£0.00
8
£0.00
9
£0.00
10
£0.00 £0.00
11
£0.00
12
£0.00
13
£0.00
14
£0.00
15
£0.00 £0.00 £0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
Balance 242K 32 yr
Loanstock Row 50
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
Year
5.75% 0.00% 10.00% 15
5.75% 0.00% 10.00% 15
5.75% 0.00% 10.00% 15
5.75% 0.00% 10.00% 15
5.75% 0.00% 10.00%
5.75% 0.00% 10.00% 20
5.75% 0.00% 10.00% 20
5.75% 0.00% 10.00% 20
5.75% 0.00% 10.00% 20
5.75% 0.00% 10.00%
5
20
5
25
16
17
18
19
20
£0.00
21
22
23
24
25
£0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
16
n/a
17
n/a
18
n/a
19
n/a
20
n/a
21
n/a
22
n/a
23
n/a
24
n/a
25
n/a
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
16
£0.00
17
£0.00
18
£0.00
19
£0.00
20
£0.00 £0.00 £0.00
21
£0.00
22
£0.00
23
£0.00
24
£0.00
25
£0.00 £0.00 £0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00
£0.00 £0.00 £0.00
£0.00 £0.00 £0.00
£0.00 £0.00 £0.00
£0.00 £0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
Loanstock Row 50
5.75% 0.00% 10.00% 25
5.75% 0.00% 10.00% 25
5.75% 0.00% 10.00% 25
5.75% 0.00% 10.00% 25
5.75% 0.00% 10.00%
5.75% 0.00% 10.00% 30
5.75% 0.00% 10.00% 30
5.75% 0.00% 10.00% 30
5.75% 0.00% 10.00% 30
5.75% 0.00% 10.00%
5
30
5
35
26
27
28
29
30
£0.00
31
32
33
34
35
£0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
26
n/a
27
n/a
28
n/a
29
n/a
30
n/a
31
n/a
32
n/a
33
n/a
34
n/a
35
n/a
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
26
£0.00
27
£0.00
28
£0.00
29
£0.00
30
£0.00 £0.00 £0.00
31
£0.00
32
£0.00
33
£0.00
34
£0.00
35
£0.00 £0.00 £0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00
£0.00
£0.00
£0.00
£0.00 £0.00
5.75% 0.00% 10.00% 35
5.75% 0.00% 10.00% 35
5.75% 0.00% 10.00% 35
5.75% 0.00% 10.00% 35
5.75% 0.00% 10.00%
5
40 Totals
36
37
38
39
40
£0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00
36
n/a
37
n/a
38
n/a
39
n/a
40
n/a
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00
£0.00 £0.00 £0.00 £0.00
36
£0.00
37
£0.00
38
£0.00
39
£0.00
40
£0.00
£0.00 £0.00 £0.00 £0.00 £0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00 £0.00
£0.00
£0.00
£0.00
£0.00
£0.00
g
Day One Income & Expenditure
Day One Income: Total Mortgage type loans Total Loanstock Other ( usually donations ! ) Total Day 1 income >> Day One Expenses Purchase price Stamp duty land tax (SDLT) Legal fees Survey Mortgage fees RR Loan fees Other Loan fees other purchase costs Initial purchases moving costs day 1 work amount (£) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 amount (£) 0.00 0.00 0.00 0.00
3.00%
Total Day 1 costs >> Day 1 surplus >>
Ongoing Income & Expenditure
Ongoing Income Rent Rent Rent Rent level level level level 1 2 3 4 Rent (£ per week) # of rooms 0 0 0 0 0 0 0 0 total rent incomes >> 0 Maximum Total Income per period >> Yearly 0.00 0.00 0.00 0.00 0.00 Monthly 0.00 0.00 0.00 0.00 0.00 Weekly 0.00 0.00 0.00 0.00 0.00
Ongoing Expenses Yearly Voids House insurance Accountant Maintenance Council tax RR Service payments FSA Fee Other EBS Mortgage Radical Routes Loan 0.00 0.00 Set aside for loanstock Total Expenses per year >> Ongoing Surplus >> 10.0% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Monthly 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Weekly 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Year One Monthly Breakdown
IN Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Yr Total
Total day one in Rooms rented # Rent level 1 Rent level 2 Rent Level 3 Rent Level 4 Total rent Other TOTAL IN >> OUT Total Start-up costs Insurance Maintenance/renovation Accountant RR service payments FSA fee Council tax Mortgage & Loans Other TOTAL OUT >>
0 # # # # # # # # # # #
0
0
0
0
0
0
0
0
0
0
0
0
0
0 0
0
0
0
0
0
0
0
0
0
0
0
0
0 0 0 0 0 0 0 0 0 0
Surplus >> Balance >>
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Loans
Day One Mortgage type loans fixed or Length Lender variable? [yrs] variable 30 EBS Mortgage fixed 15 Radical Routes Loan 0 0.00 0 0.00 Amount Interest 0.00 5.75% 0.00 6.00% 0.00 0.00% 0.00 0.00% 0 Monthly Cost 0.00 0.00 0.00 0.00 0.00 Monthly Cost 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Monthly Cost 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Yearly Cost 0.00 0.00 0.00 0.00 0.00 Yearly Cost 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Yearly Cost 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total repaid 0.00 0.00 0.00 0.00 0.00 Total repaid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total repaid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Day One Loanstock Length estimated? [yrs] 3 3 3 3 3 5 5 5 5 5
Lender
Amount
Interest 0.0% 1.0% 2.0% 3.0% 4.0% 0.0% 1.0% 2.0% 3.0% 4.0%
3 Year Sub Total
0.00
5 Year Sub Total 10 10 10 10 10 10 Year Sub Total 15 15 15 15 15 15 Year Sub Total 20 20 20 20 20 20 Year Sub Total 25 25 25 25 25 25 Year Sub Total 30 30 30 30 30 30 Year Sub Total 35 35 35 35 35 35 Year Sub Total
0.00 0.0% 1.0% 2.0% 3.0% 4.0% 0.00 0.0% 1.0% 2.0% 3.0% 4.0% 0.00 0.0% 1.0% 2.0% 3.0% 4.0% 0.00 0.0% 1.0% 2.0% 3.0% 4.0% 0.00 0.0% 1.0% 2.0% 3.0% 4.0% 0.00 0.0% 1.0% 2.0% 3.0% 4.0% 0.00 0.00
Future Loanstock (Refinancing) Length At: [yrs] Year 5 10 (pay back yr 15) 10 SubTotal Year 10 (pay back in year 20) Year 15 (pay back in year 25) Year 20 (pay back in year 30) Year 25 (pay back in year 35) Year 30 (pay back in year 40) 10 10 SubTotal 10 10 SubTotal 10 10 SubTotal 10 10 SubTotal 10 10
Amount Interest 0.00 2.0% 0.00 4.0% 0.00 0.00 2.0% 0.00 4.0% 0.00 0.00 2.0% 0.00 4.0% 0.00 0.00 2.0% 0.00 4.0% 0.00 0.00 2.0% 0.00 4.0% 0.00 0.00 2.0% 0.00 4.0%
SubTotal Year 35 (pay back in year 45) 10 10 SubTotal
0.00 0.00 0.00 0.00 0.00
2.0% 4.0%
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
40 Year Breakdown
£80,000.00 £70,000.00 £60,000.00 £50,000.00 £40,000.00 £30,000.00 £20,000.00 £10,000.00 £0.00
Row 17 Row 50
Balance £
2.0% 1.0% Yearly changes Rate of Inflation Bank Interest Rate
-£10,000.00
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40
Mortgage Interest rate change? Adjusted main loan rate 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% Total adj. to existing loans 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Void change this year? Voids this year 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% Rent increase? 5 5 5 5 Rent 1 charged this year 0 0 0 0 5 5 5 5 5 10 10 10 10 10 15 15 15 15 15 20 Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Loanstock Mortgage + RR/other loans Other Rental income Interest from bank TOTAL IN >> Year 0 0 0 0 0 0 1 0 n/a 0 0 0 0 0 0 0 0 0 0 0 0
IN
0 0 0 2 n/a 0 0 0 0 0 0 0 0
0 0 0 3 n/a 0 0 0 0 0 0 0 0
0 0 0 4 n/a 0 0 0 0 0 0 0 0
0 0 0 5 n/a 0 0 0 0 0 0 0 0
0 0 0 6 n/a 0 0 0 0 0 0 0 0
0 0 0 7 n/a 0 0 0 0 0 0 0 0
0 0 0 8 n/a 0 0 0 0 0 0 0 0
0 0 0 9 n/a 0 0 0 0 0 0 0 0
0 0 0 10 n/a 0 0 0 0 0 0 0 0
0 0 0 11 n/a 0 0 0 0 0 0 0 0
0 0 0 12 n/a 0 0 0 0 0 0 0 0
0 0 0 13 n/a 0 0 0 0 0 0 0 0
0 0 0 14 n/a 0 0 0 0 0 0 0 0
0 0 0 15 n/a 0 0 0 0 0 0 0 0
0 0 0 16 n/a 0 0 0 0 0 0 0 0
0 0 0 17 n/a 0 0 0 0 0 0 0 0
0 0 0 18 n/a 0 0 0 0 0 0 0 0
0 0 0 19 n/a 0 0 0 0 0 0 0 0
0 0 0 20 n/a 0 0 0 0 0 0 0 0
OUT
These are increased yearly by inflation Mortgage Type Loans
Total Purchase Costs Extraordinary maintenance Voids Insurance Maintenance Accountant RR service payments FSA fee council tax Other EBS Mortgage Radical Routes Loan 0 0 Total Loans TOTAL OUT >> Year SURPLUS >> BALANCE >>
0 0 1 0 0
0 0 2 0 0
0 0 3 0 0
0 0 4 0 0
0 0 5 0 0
0 0 6 0 0
0 0 7 0 0
0 0 8 0 0
0 0 9 0 0
0 0 10 0 0
0 0 11 0 0
0 0 12 0 0
0 0 13 0 0
0 0 14 0 0
0 0 15 0 0
0 0 16 0 0
0 0 17 0 0
0 0 18 0 0
0 0 19 0 0
0 0 20 0 0
Loanstock From Day One Repayment From Future Refinancing s
0
0
0
0 0
0 0
40 Year Breakdown Page 2
Mortgage Interest rate change? 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% Total adj. to existing loans 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Void change this year? Voids this year 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% Rent increase? 5 5 5 5 Rent 1 charged this year 20 20 20 20 25 25 25 25 25 30 30 30 30 30 35 35 35 35 35 40 Year 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 Loanstock Mortgage + RR/other loans Other Rental income Interest from bank TOTAL IN >> Year Total Purchase Costs Extraordinary maintenance Voids Insurance Maintenance Accountant RR service payments FSA fee council tax Other EBS Mortgage Radical Routes Loan 0 0 Total Loans TOTAL OUT >> Year SURPLUS >> BALANCE >> 0 0 0
Totals 0 0 0 0 0
0 0 0 21 n/a 0 0 0 0 0 0 0 0
0 0 0 22 n/a 0 0 0 0 0 0 0 0
0 0 0 23 n/a 0 0 0 0 0 0 0 0
0 0 0 24 n/a 0 0 0 0 0 0 0 0
0 0 0 25 n/a 0 0 0 0 0 0 0 0
0 0 0 26 n/a 0 0 0 0 0 0 0 0
0 0 0 27 n/a 0 0 0 0 0 0 0 0
0 0 0 28 n/a 0 0 0 0 0 0 0 0
0 0 0 29 n/a 0 0 0 0 0 0 0 0
0 0 0 30 n/a 0 0 0 0 0 0 0 0
0 0 0 31 n/a 0 0 0 0 0 0 0 0
0 0 0 32 n/a 0 0 0 0 0 0 0 0
0 0 0 33 n/a 0 0 0 0 0 0 0 0
0 0 0 34 n/a 0 0 0 0 0 0 0 0
0 0 0 35 n/a 0 0 0 0 0 0 0 0
0 0 0 36 n/a 0 0 0 0 0 0 0 0
0 0 0 37 n/a 0 0 0 0 0 0 0 0
0 0 0 38 n/a 0 0 0 0 0 0 0 0
0 0 0 39 n/a 0 0 0 0 0 0 0 0
0 0 0 40 n/a 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 21 0 0
0 0 22 0 0
0 0 23 0 0
0 0 24 0 0
0 0 25 0 0
0 0 26 0 0
0 0 27 0 0
0 0 28 0 0
0 0 29 0 0
0 0 30 0 0
0 0 31 0 0
0 0 32 0 0
0 0 33 0 0
0 0 34 0 0
0 0 35 0 0
0 0 36 0 0
0 0 37 0 0
0 0 38 0 0
0 0 39 0 0
0 0 40 0 0
0
0
From Day One From Future Refinancing
0 0
0 0
0 0
0
0 0
This page is for calculations and is not supposed to be vi
loanstcock certainty drop down lStckConfirmed estimatedOrActual estimated confirmed
fixed or variable rate loan drop down variableOrFixedRate variable fixed
estimated actual figure
please select!
example pv rate nper pmt fv type
34000 amount borrowed 0.50% interest rate per period ( if paying monthly this would be anual interest rate / 12 ) 240 total number of payment periods in the annuity ( loan length) -£243.59 the fixed payment made over the life of the loan to pay off the loaned sum and the interes 0 the future value at the end of the repayment period ( for loans this would be 0 ) if pmt is o 0 0 for us ( pay at the end of the period )
pposed to be viewed or edited....
ariable rate loan drop down
year one capital reypayment holiday yearOneCapitalRepaymentHoliday yes no
anual interest rate / 12 )
off the loaned sum and the interest (if fv is omitted this must be included ) loans this would be 0 ) if pmt is omitted this must be included

Published under a Creative Commons License By attribution, non-commercial, non-derivative
AttachmentSize
_RRModel Spreadsheet v.2.1.xls406 KB