Mortgage & Investment Strategy Planner

Initial Mortgage Setup

Currency:

Initial Property Value (£):

Deposit (£):

Loan Amount (£):

Loan to Value (LTV):

Initial Annual Interest Rate (%):

Initial Term (Years):

Long-Term Financial Planning

Property & Rental Assumptions

Annual Property Growth (%):

Gross Monthly Rent (£):

Annual Rent Increase (%):

Monthly Service Charge (£):

Annual Ground Rent (£):

Maintenance (% of Rent):

Letting Fees (% of Rent):

Void Months Per Year:

Cash Flow & Investment Strategy

Percentage of Monthly Cash Surplus to Invest (%):

The remainder will be used to overpay the mortgage. Set to 0% to overpay with all surplus cash.

Assumed Annual Investment Growth (%):

Invest all rental profit without deducting mortgage payments

If checked, monthly mortgage payments are assumed to come from other income sources, allowing all rental profit (Gross Rent - Property Expenses) to be available for investment or overpayment.

Yearly Financial Breakdown

Year 1

End of Year Net Worth: £52851.58Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£52851.58
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£1851.58
Interest Paid	£14552.74
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1216.60	£150.43	£-1487.86	£0.00	£263849.57
Jul	Rented	£1300.00	£185.83	£1215.91	£151.12	£-252.86	£0.00	£263698.45
Aug	Rented	£1300.00	£185.83	£1215.21	£151.82	£-252.86	£0.00	£263546.64
Sep	Rented	£1300.00	£185.83	£1214.51	£152.52	£-252.86	£0.00	£263394.12
Oct	Rented	£1300.00	£185.83	£1213.81	£153.22	£-252.86	£0.00	£263240.90
Nov	Rented	£1300.00	£185.83	£1213.10	£153.92	£-252.86	£0.00	£263086.98
Dec	Rented	£1300.00	£185.83	£1212.39	£154.63	£-252.86	£0.00	£262932.34
Jan	Rented	£1300.00	£185.83	£1211.68	£155.35	£-252.86	£0.00	£262777.00
Feb	Rented	£1300.00	£185.83	£1210.96	£156.06	£-252.86	£0.00	£262620.94
Mar	Rented	£1300.00	£185.83	£1210.24	£156.78	£-252.86	£0.00	£262464.15
Apr	Rented	£1300.00	£185.83	£1209.52	£157.50	£-252.86	£0.00	£262306.65
May	Rented	£1300.00	£185.83	£1208.80	£158.23	£-252.86	£0.00	£262148.42

Year 2

End of Year Net Worth: £61108.19Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£61108.19
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£1956.61
Interest Paid	£14447.71
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1208.07	£158.96	£-1487.86	£0.00	£261989.46
Jul	Rented	£1300.00	£185.83	£1207.33	£159.69	£-252.86	£0.00	£261829.77
Aug	Rented	£1300.00	£185.83	£1206.60	£160.43	£-252.86	£0.00	£261669.34
Sep	Rented	£1300.00	£185.83	£1205.86	£161.17	£-252.86	£0.00	£261508.17
Oct	Rented	£1300.00	£185.83	£1205.12	£161.91	£-252.86	£0.00	£261346.26
Nov	Rented	£1300.00	£185.83	£1204.37	£162.66	£-252.86	£0.00	£261183.61
Dec	Rented	£1300.00	£185.83	£1203.62	£163.41	£-252.86	£0.00	£261020.20
Jan	Rented	£1300.00	£185.83	£1202.87	£164.16	£-252.86	£0.00	£260856.05
Feb	Rented	£1300.00	£185.83	£1202.11	£164.91	£-252.86	£0.00	£260691.13
Mar	Rented	£1300.00	£185.83	£1201.35	£165.67	£-252.86	£0.00	£260525.46
Apr	Rented	£1300.00	£185.83	£1200.59	£166.44	£-252.86	£0.00	£260359.02
May	Rented	£1300.00	£185.83	£1199.82	£167.21	£-252.86	£0.00	£260191.81

Year 3

End of Year Net Worth: £69601.78Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£69601.78
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£2067.59
Interest Paid	£14336.72
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1199.05	£167.98	£-1487.86	£0.00	£260023.84
Jul	Rented	£1300.00	£185.83	£1198.28	£168.75	£-252.86	£0.00	£259855.09
Aug	Rented	£1300.00	£185.83	£1197.50	£169.53	£-252.86	£0.00	£259685.56
Sep	Rented	£1300.00	£185.83	£1196.72	£170.31	£-252.86	£0.00	£259515.25
Oct	Rented	£1300.00	£185.83	£1195.93	£171.09	£-252.86	£0.00	£259344.16
Nov	Rented	£1300.00	£185.83	£1195.14	£171.88	£-252.86	£0.00	£259172.27
Dec	Rented	£1300.00	£185.83	£1194.35	£172.67	£-252.86	£0.00	£258999.60
Jan	Rented	£1300.00	£185.83	£1193.56	£173.47	£-252.86	£0.00	£258826.13
Feb	Rented	£1300.00	£185.83	£1192.76	£174.27	£-252.86	£0.00	£258651.86
Mar	Rented	£1300.00	£185.83	£1191.95	£175.07	£-252.86	£0.00	£258476.79
Apr	Rented	£1300.00	£185.83	£1191.15	£175.88	£-252.86	£0.00	£258300.91
May	Rented	£1300.00	£185.83	£1190.34	£176.69	£-252.86	£0.00	£258124.22

Year 4

End of Year Net Worth: £78341.18Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£78341.18
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£2184.87
Interest Paid	£14219.44
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1189.52	£177.50	£-1487.86	£0.00	£257946.71
Jul	Rented	£1300.00	£185.83	£1188.70	£178.32	£-252.86	£0.00	£257768.39
Aug	Rented	£1300.00	£185.83	£1187.88	£179.14	£-252.86	£0.00	£257589.25
Sep	Rented	£1300.00	£185.83	£1187.06	£179.97	£-252.86	£0.00	£257409.28
Oct	Rented	£1300.00	£185.83	£1186.23	£180.80	£-252.86	£0.00	£257228.48
Nov	Rented	£1300.00	£185.83	£1185.39	£181.63	£-252.86	£0.00	£257046.85
Dec	Rented	£1300.00	£185.83	£1184.56	£182.47	£-252.86	£0.00	£256864.38
Jan	Rented	£1300.00	£185.83	£1183.72	£183.31	£-252.86	£0.00	£256681.07
Feb	Rented	£1300.00	£185.83	£1182.87	£184.15	£-252.86	£0.00	£256496.92
Mar	Rented	£1300.00	£185.83	£1182.02	£185.00	£-252.86	£0.00	£256311.91
Apr	Rented	£1300.00	£185.83	£1181.17	£185.86	£-252.86	£0.00	£256126.06
May	Rented	£1300.00	£185.83	£1180.31	£186.71	£-252.86	£0.00	£255939.34

Year 5

End of Year Net Worth: £87335.59Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£87335.59
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£2308.81
Interest Paid	£14095.51
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1179.45	£187.57	£-1487.86	£0.00	£255751.77
Jul	Rented	£1300.00	£185.83	£1178.59	£188.44	£-252.86	£0.00	£255563.33
Aug	Rented	£1300.00	£185.83	£1177.72	£189.31	£-252.86	£0.00	£255374.03
Sep	Rented	£1300.00	£185.83	£1176.85	£190.18	£-252.86	£0.00	£255183.85
Oct	Rented	£1300.00	£185.83	£1175.97	£191.05	£-252.86	£0.00	£254992.80
Nov	Rented	£1300.00	£185.83	£1175.09	£191.93	£-252.86	£0.00	£254800.86
Dec	Rented	£1300.00	£185.83	£1174.21	£192.82	£-252.86	£0.00	£254608.04
Jan	Rented	£1300.00	£185.83	£1173.32	£193.71	£-252.86	£0.00	£254414.34
Feb	Rented	£1300.00	£185.83	£1172.43	£194.60	£-252.86	£0.00	£254219.74
Mar	Rented	£1300.00	£185.83	£1171.53	£195.50	£-252.86	£0.00	£254024.24
Apr	Rented	£1300.00	£185.83	£1170.63	£196.40	£-252.86	£0.00	£253827.84
May	Rented	£1300.00	£185.83	£1169.72	£197.30	£-252.86	£0.00	£253630.54

Year 6

End of Year Net Worth: £96594.69Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£96594.69
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£2439.77
Interest Paid	£13964.55
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1168.81	£198.21	£-1487.86	£0.00	£253432.32
Jul	Rented	£1300.00	£185.83	£1167.90	£199.13	£-252.86	£0.00	£253233.20
Aug	Rented	£1300.00	£185.83	£1166.98	£200.04	£-252.86	£0.00	£253033.16
Sep	Rented	£1300.00	£185.83	£1166.06	£200.97	£-252.86	£0.00	£252832.19
Oct	Rented	£1300.00	£185.83	£1165.14	£201.89	£-252.86	£0.00	£252630.30
Nov	Rented	£1300.00	£185.83	£1164.20	£202.82	£-252.86	£0.00	£252427.48
Dec	Rented	£1300.00	£185.83	£1163.27	£203.76	£-252.86	£0.00	£252223.72
Jan	Rented	£1300.00	£185.83	£1162.33	£204.70	£-252.86	£0.00	£252019.02
Feb	Rented	£1300.00	£185.83	£1161.39	£205.64	£-252.86	£0.00	£251813.39
Mar	Rented	£1300.00	£185.83	£1160.44	£206.59	£-252.86	£0.00	£251606.80
Apr	Rented	£1300.00	£185.83	£1159.49	£207.54	£-252.86	£0.00	£251399.26
May	Rented	£1300.00	£185.83	£1158.53	£208.49	£-252.86	£0.00	£251190.77

Year 7

End of Year Net Worth: £106128.56Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£106128.56
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£2578.16
Interest Paid	£13826.15
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1157.57	£209.46	£-1487.86	£0.00	£250981.31
Jul	Rented	£1300.00	£185.83	£1156.61	£210.42	£-252.86	£0.00	£250770.89
Aug	Rented	£1300.00	£185.83	£1155.64	£211.39	£-252.86	£0.00	£250559.50
Sep	Rented	£1300.00	£185.83	£1154.66	£212.36	£-252.86	£0.00	£250347.13
Oct	Rented	£1300.00	£185.83	£1153.68	£213.34	£-252.86	£0.00	£250133.79
Nov	Rented	£1300.00	£185.83	£1152.70	£214.33	£-252.86	£0.00	£249919.46
Dec	Rented	£1300.00	£185.83	£1151.71	£215.31	£-252.86	£0.00	£249704.15
Jan	Rented	£1300.00	£185.83	£1150.72	£216.31	£-252.86	£0.00	£249487.84
Feb	Rented	£1300.00	£185.83	£1149.72	£217.30	£-252.86	£0.00	£249270.54
Mar	Rented	£1300.00	£185.83	£1148.72	£218.30	£-252.86	£0.00	£249052.23
Apr	Rented	£1300.00	£185.83	£1147.72	£219.31	£-252.86	£0.00	£248832.92
May	Rented	£1300.00	£185.83	£1146.71	£220.32	£-252.86	£0.00	£248612.60

Year 8

End of Year Net Worth: £115947.79Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£115947.79
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£2724.41
Interest Paid	£13679.91
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1145.69	£221.34	£-1487.86	£0.00	£248391.27
Jul	Rented	£1300.00	£185.83	£1144.67	£222.36	£-252.86	£0.00	£248168.91
Aug	Rented	£1300.00	£185.83	£1143.65	£223.38	£-252.86	£0.00	£247945.53
Sep	Rented	£1300.00	£185.83	£1142.62	£224.41	£-252.86	£0.00	£247721.12
Oct	Rented	£1300.00	£185.83	£1141.58	£225.44	£-252.86	£0.00	£247495.67
Nov	Rented	£1300.00	£185.83	£1140.54	£226.48	£-252.86	£0.00	£247269.19
Dec	Rented	£1300.00	£185.83	£1139.50	£227.53	£-252.86	£0.00	£247041.66
Jan	Rented	£1300.00	£185.83	£1138.45	£228.58	£-252.86	£0.00	£246813.08
Feb	Rented	£1300.00	£185.83	£1137.40	£229.63	£-252.86	£0.00	£246583.45
Mar	Rented	£1300.00	£185.83	£1136.34	£230.69	£-252.86	£0.00	£246352.77
Apr	Rented	£1300.00	£185.83	£1135.28	£231.75	£-252.86	£0.00	£246121.02
May	Rented	£1300.00	£185.83	£1134.21	£232.82	£-252.86	£0.00	£245888.20

Year 9

End of Year Net Worth: £126063.45Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£126063.45
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£2878.94
Interest Paid	£13525.37
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1133.13	£233.89	£-1487.86	£0.00	£245654.31
Jul	Rented	£1300.00	£185.83	£1132.06	£234.97	£-252.86	£0.00	£245419.34
Aug	Rented	£1300.00	£185.83	£1130.97	£236.05	£-252.86	£0.00	£245183.28
Sep	Rented	£1300.00	£185.83	£1129.89	£237.14	£-252.86	£0.00	£244946.14
Oct	Rented	£1300.00	£185.83	£1128.79	£238.23	£-252.86	£0.00	£244707.91
Nov	Rented	£1300.00	£185.83	£1127.70	£239.33	£-252.86	£0.00	£244468.58
Dec	Rented	£1300.00	£185.83	£1126.59	£240.43	£-252.86	£0.00	£244228.15
Jan	Rented	£1300.00	£185.83	£1125.48	£241.54	£-252.86	£0.00	£243986.60
Feb	Rented	£1300.00	£185.83	£1124.37	£242.65	£-252.86	£0.00	£243743.95
Mar	Rented	£1300.00	£185.83	£1123.25	£243.77	£-252.86	£0.00	£243500.18
Apr	Rented	£1300.00	£185.83	£1122.13	£244.90	£-252.86	£0.00	£243255.28
May	Rented	£1300.00	£185.83	£1121.00	£246.03	£-252.86	£0.00	£243009.25

Year 10

End of Year Net Worth: £136487.15Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£136487.15
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£3042.25
Interest Paid	£13362.07
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1119.87	£247.16	£-1487.86	£0.00	£242762.10
Jul	Rented	£1300.00	£185.83	£1118.73	£248.30	£-252.86	£0.00	£242513.80
Aug	Rented	£1300.00	£185.83	£1117.58	£249.44	£-252.86	£0.00	£242264.36
Sep	Rented	£1300.00	£185.83	£1116.43	£250.59	£-252.86	£0.00	£242013.76
Oct	Rented	£1300.00	£185.83	£1115.28	£251.75	£-252.86	£0.00	£241762.02
Nov	Rented	£1300.00	£185.83	£1114.12	£252.91	£-252.86	£0.00	£241509.11
Dec	Rented	£1300.00	£185.83	£1112.95	£254.07	£-252.86	£0.00	£241255.04
Jan	Rented	£1300.00	£185.83	£1111.78	£255.24	£-252.86	£0.00	£240999.80
Feb	Rented	£1300.00	£185.83	£1110.61	£256.42	£-252.86	£0.00	£240743.38
Mar	Rented	£1300.00	£185.83	£1109.43	£257.60	£-252.86	£0.00	£240485.78
Apr	Rented	£1300.00	£185.83	£1108.24	£258.79	£-252.86	£0.00	£240226.99
May	Rented	£1300.00	£185.83	£1107.05	£259.98	£-252.86	£0.00	£239967.01

Year 11

End of Year Net Worth: £147231.05Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£147231.05
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£3214.81
Interest Paid	£13189.51
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1105.85	£261.18	£-1487.86	£0.00	£239705.83
Jul	Rented	£1300.00	£185.83	£1104.64	£262.38	£-252.86	£0.00	£239443.45
Aug	Rented	£1300.00	£185.83	£1103.44	£263.59	£-252.86	£0.00	£239179.86
Sep	Rented	£1300.00	£185.83	£1102.22	£264.81	£-252.86	£0.00	£238915.05
Oct	Rented	£1300.00	£185.83	£1101.00	£266.03	£-252.86	£0.00	£238649.02
Nov	Rented	£1300.00	£185.83	£1099.77	£267.25	£-252.86	£0.00	£238381.77
Dec	Rented	£1300.00	£185.83	£1098.54	£268.48	£-252.86	£0.00	£238113.29
Jan	Rented	£1300.00	£185.83	£1097.31	£269.72	£-252.86	£0.00	£237843.57
Feb	Rented	£1300.00	£185.83	£1096.06	£270.96	£-252.86	£0.00	£237572.60
Mar	Rented	£1300.00	£185.83	£1094.81	£272.21	£-252.86	£0.00	£237300.39
Apr	Rented	£1300.00	£185.83	£1093.56	£273.47	£-252.86	£0.00	£237026.92
May	Rented	£1300.00	£185.83	£1092.30	£274.73	£-252.86	£0.00	£236752.20

Year 12

End of Year Net Worth: £158307.88Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£158307.88
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£3397.17
Interest Paid	£13007.15
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1091.03	£275.99	£-1487.86	£0.00	£236476.20
Jul	Rented	£1300.00	£185.83	£1089.76	£277.27	£-252.86	£0.00	£236198.94
Aug	Rented	£1300.00	£185.83	£1088.48	£278.54	£-252.86	£0.00	£235920.39
Sep	Rented	£1300.00	£185.83	£1087.20	£279.83	£-252.86	£0.00	£235640.57
Oct	Rented	£1300.00	£185.83	£1085.91	£281.12	£-252.86	£0.00	£235359.45
Nov	Rented	£1300.00	£185.83	£1084.61	£282.41	£-252.86	£0.00	£235077.04
Dec	Rented	£1300.00	£185.83	£1083.31	£283.71	£-252.86	£0.00	£234793.33
Jan	Rented	£1300.00	£185.83	£1082.01	£285.02	£-252.86	£0.00	£234508.31
Feb	Rented	£1300.00	£185.83	£1080.69	£286.33	£-252.86	£0.00	£234221.97
Mar	Rented	£1300.00	£185.83	£1079.37	£287.65	£-252.86	£0.00	£233934.32
Apr	Rented	£1300.00	£185.83	£1078.05	£288.98	£-252.86	£0.00	£233645.34
May	Rented	£1300.00	£185.83	£1076.72	£290.31	£-252.86	£0.00	£233355.03

Year 13

End of Year Net Worth: £169731.00Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£169731.00
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£3589.87
Interest Paid	£12814.45
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1075.38	£291.65	£-1487.86	£0.00	£233063.38
Jul	Rented	£1300.00	£185.83	£1074.03	£292.99	£-252.86	£0.00	£232770.39
Aug	Rented	£1300.00	£185.83	£1072.68	£294.34	£-252.86	£0.00	£232476.04
Sep	Rented	£1300.00	£185.83	£1071.33	£295.70	£-252.86	£0.00	£232180.34
Oct	Rented	£1300.00	£185.83	£1069.96	£297.06	£-252.86	£0.00	£231883.28
Nov	Rented	£1300.00	£185.83	£1068.60	£298.43	£-252.86	£0.00	£231584.85
Dec	Rented	£1300.00	£185.83	£1067.22	£299.81	£-252.86	£0.00	£231285.05
Jan	Rented	£1300.00	£185.83	£1065.84	£301.19	£-252.86	£0.00	£230983.86
Feb	Rented	£1300.00	£185.83	£1064.45	£302.58	£-252.86	£0.00	£230681.28
Mar	Rented	£1300.00	£185.83	£1063.06	£303.97	£-252.86	£0.00	£230377.31
Apr	Rented	£1300.00	£185.83	£1061.66	£305.37	£-252.86	£0.00	£230071.94
May	Rented	£1300.00	£185.83	£1060.25	£306.78	£-252.86	£0.00	£229765.16

Year 14

End of Year Net Worth: £181514.42Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£181514.42
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£3793.50
Interest Paid	£12610.82
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1058.83	£308.19	£-1487.86	£0.00	£229456.97
Jul	Rented	£1300.00	£185.83	£1057.41	£309.61	£-252.86	£0.00	£229147.36
Aug	Rented	£1300.00	£185.83	£1055.99	£311.04	£-252.86	£0.00	£228836.32
Sep	Rented	£1300.00	£185.83	£1054.55	£312.47	£-252.86	£0.00	£228523.85
Oct	Rented	£1300.00	£185.83	£1053.11	£313.91	£-252.86	£0.00	£228209.93
Nov	Rented	£1300.00	£185.83	£1051.67	£315.36	£-252.86	£0.00	£227894.58
Dec	Rented	£1300.00	£185.83	£1050.21	£316.81	£-252.86	£0.00	£227577.76
Jan	Rented	£1300.00	£185.83	£1048.75	£318.27	£-252.86	£0.00	£227259.49
Feb	Rented	£1300.00	£185.83	£1047.29	£319.74	£-252.86	£0.00	£226939.75
Mar	Rented	£1300.00	£185.83	£1045.81	£321.21	£-252.86	£0.00	£226618.54
Apr	Rented	£1300.00	£185.83	£1044.33	£322.69	£-252.86	£0.00	£226295.85
May	Rented	£1300.00	£185.83	£1042.85	£324.18	£-252.86	£0.00	£225971.67

Year 15

End of Year Net Worth: £193672.82Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£193672.82
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£4008.68
Interest Paid	£12395.64
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1041.35	£325.67	£-1487.86	£0.00	£225645.99
Jul	Rented	£1300.00	£185.83	£1039.85	£327.17	£-252.86	£0.00	£225318.82
Aug	Rented	£1300.00	£185.83	£1038.34	£328.68	£-252.86	£0.00	£224990.14
Sep	Rented	£1300.00	£185.83	£1036.83	£330.20	£-252.86	£0.00	£224659.94
Oct	Rented	£1300.00	£185.83	£1035.31	£331.72	£-252.86	£0.00	£224328.22
Nov	Rented	£1300.00	£185.83	£1033.78	£333.25	£-252.86	£0.00	£223994.97
Dec	Rented	£1300.00	£185.83	£1032.24	£334.78	£-252.86	£0.00	£223660.19
Jan	Rented	£1300.00	£185.83	£1030.70	£336.33	£-252.86	£0.00	£223323.86
Feb	Rented	£1300.00	£185.83	£1029.15	£337.88	£-252.86	£0.00	£222985.99
Mar	Rented	£1300.00	£185.83	£1027.59	£339.43	£-252.86	£0.00	£222646.56
Apr	Rented	£1300.00	£185.83	£1026.03	£341.00	£-252.86	£0.00	£222305.56
May	Rented	£1300.00	£185.83	£1024.46	£342.57	£-252.86	£0.00	£221962.99

Year 16

End of Year Net Worth: £206221.60Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£206221.60
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£4236.06
Interest Paid	£12168.26
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Month	Status	Rent	Expenses	Interest	Principal	Cash Flow	Invested	End Balance
Jun	Void	£0.00	£120.83	£1022.88	£344.15	£-1487.86	£0.00	£221618.84
Jul	Rented	£1300.00	£185.83	£1021.29	£345.73	£-252.86	£0.00	£221273.11
Aug	Rented	£1300.00	£185.83	£1019.70	£347.33	£-252.86	£0.00	£220925.78
Sep	Rented	£1300.00	£185.83	£1018.10	£348.93	£-252.86	£0.00	£220576.86
Oct	Rented	£1300.00	£185.83	£1016.49	£350.53	£-252.86	£0.00	£220226.32
Nov	Rented	£1300.00	£185.83	£1014.88	£352.15	£-252.86	£0.00	£219874.17
Dec	Rented	£1300.00	£185.83	£1013.25	£353.77	£-252.86	£0.00	£219520.40
Jan	Rented	£1300.00	£185.83	£1011.62	£355.40	£-252.86	£0.00	£219165.00
Feb	Rented	£1300.00	£185.83	£1009.99	£357.04	£-252.86	£0.00	£218807.96
Mar	Rented	£1300.00	£185.83	£1008.34	£358.69	£-252.86	£0.00	£218449.27
Apr	Rented	£1300.00	£185.83	£1006.69	£360.34	£-252.86	£0.00	£218088.93
May	Rented	£1300.00	£185.83	£1005.03	£362.00	£-252.86	£0.00	£217726.93

Year 17

End of Year Net Worth: £219176.91Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£219176.91
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£4476.34
Interest Paid	£11927.97
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 18

End of Year Net Worth: £232555.72Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£232555.72
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£4730.26
Interest Paid	£11674.06
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 19

End of Year Net Worth: £246375.82Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£246375.82
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£4998.57
Interest Paid	£11405.74
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 20

End of Year Net Worth: £260655.88Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£260655.88
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£5282.11
Interest Paid	£11122.21
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 21

End of Year Net Worth: £275415.52Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£275415.52
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£5581.73
Interest Paid	£10822.59
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 22

End of Year Net Worth: £290675.33Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£290675.33
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£5898.34
Interest Paid	£10505.97
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 23

End of Year Net Worth: £306456.95Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£306456.95
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£6232.92
Interest Paid	£10171.40
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 24

End of Year Net Worth: £322783.09Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£322783.09
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£6586.47
Interest Paid	£9817.85
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 25

End of Year Net Worth: £339677.63Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£339677.63
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£6960.08
Interest Paid	£9444.24
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 26

End of Year Net Worth: £357165.67Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£357165.67
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£7354.88
Interest Paid	£9049.44
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 27

End of Year Net Worth: £375273.55Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£375273.55
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£7772.07
Interest Paid	£8632.25
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 28

End of Year Net Worth: £394029.02Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£394029.02
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£8212.93
Interest Paid	£8191.39
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 29

End of Year Net Worth: £413461.19Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£413461.19
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£8678.79
Interest Paid	£7725.52
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 30

End of Year Net Worth: £433600.73Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£433600.73
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£9171.08
Interest Paid	£7233.23
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 31

End of Year Net Worth: £454479.85Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£454479.85
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£9691.30
Interest Paid	£6713.02
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 32

End of Year Net Worth: £476132.45Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£476132.45
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£10241.02
Interest Paid	£6163.30
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 33

End of Year Net Worth: £498594.19Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£498594.19
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£10821.93
Interest Paid	£5582.39
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 34

End of Year Net Worth: £521902.58Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£521902.58
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£11435.78
Interest Paid	£4968.53
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 35

End of Year Net Worth: £546097.09Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£546097.09
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£12084.46
Interest Paid	£4319.86
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 36

End of Year Net Worth: £571219.28Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£571219.28
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£12769.93
Interest Paid	£3634.39
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 37

End of Year Net Worth: £597312.87Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£597312.87
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£13494.28
Interest Paid	£2910.03
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 38

End of Year Net Worth: £624423.89Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£624423.89
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£14259.73
Interest Paid	£2144.59
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 39

End of Year Net Worth: £652600.79Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£652600.79
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£15068.59
Interest Paid	£1335.73
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1

Year 40

End of Year Net Worth: £681894.60Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £18569.32
Net Cash Flow	£-4269.32
Property Equity	£681894.60
Investment Portfolio	£0.00

Yearly Cost & Income Analysis

Principal Paid	£15923.33
Interest Paid	£480.99
Maintenance	£715.00
Letting Fees	£0.00
Other Fixed Expenses	£1450.00
Void Months	1