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):

Stamp Duty (£):

Solicitor Fees (£):

Additional Fees (£):

Loan to Value (LTV):

Interest-Only Mortgage

If checked, only interest payments will be made monthly. The principal will remain unchanged until the end of the term.

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:

Tax Assumptions (UK)

Select your UK Income Tax situation:

This determines how your rental profit is taxed, following UK rules with a 20% tax credit on mortgage interest.

Cash Flow & Investment Strategy

Percentage of Post-Tax 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.

Investment Summary

Total Initial Investment

£51000.00

Deposit: £51000.00
Stamp Duty: £0.00
Solicitor Fees: £0.00
Additional Fees: £0.00

Final Net Worth (Year 30)

£439940.92

Overall CAGR

7.45%

Milestone Investment Summary

Year	Property Value	Remaining Mortgage	Property Equity	Investment Portfolio	Total Net Worth	CAGR	LTV
Year 3	£327726	£258124	£69602	£0	£69602	10.9%	78.8%
Year 5	£340966	£253631	£87336	£0	£87336	11.4%	74.4%
Year 10	£376454	£239967	£136487	£0	£136487	10.3%	63.7%
Year 15	£415636	£221963	£193673	£0	£193673	9.3%	53.4%
Year 25	£506658	£166980	£339678	£187	£339864	7.9%	33.0%

Note: Years beyond the mortgage term will show "-" for unavailable data.

Yearly Financial Breakdown

Year 1

End of Year Net Worth: £52851.58CAGR: 3.63%Collapse

Yearly Financial Summary

Gross Rental Income	£14300.00
Total Expenses & Mortgage	- £19713.32
Taxable Profit (Income - Expenses)	£10991.00
Tax Due (before credit)	- £4396.40
Interest Tax Credit	+ £2910.55
Final Estimated Tax	- £1485.85
Net Cash Flow (Post-Tax)	£-6889.88
End of Year Property Value	£315000.00
End of Year LTV	83.22%
Property Equity	£52851.58
Investment Portfolio	£0.00
Total Net Worth	£52851.58
CAGR (vs Initial Investment)	3.63%

Yearly Cost & Income Analysis

Principal Paid	£1851.58
Interest Paid	£14552.74
Maintenance	£715.00
Letting Fees	£1144.00
Other Fixed Expenses	£1450.00
Final Estimated Tax	£1485.85
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1216.60	£-1610.91	£315000	83.76%	£263849.57
Jul	Rented	£1300.00	£289.83	£1215.91	£-479.91	£315000	83.71%	£263698.45
Aug	Rented	£1300.00	£289.83	£1215.21	£-479.91	£315000	83.67%	£263546.64
Sep	Rented	£1300.00	£289.83	£1214.51	£-479.91	£315000	83.62%	£263394.12
Oct	Rented	£1300.00	£289.83	£1213.81	£-479.91	£315000	83.57%	£263240.90
Nov	Rented	£1300.00	£289.83	£1213.10	£-479.91	£315000	83.52%	£263086.98
Dec	Rented	£1300.00	£289.83	£1212.39	£-479.91	£315000	83.47%	£262932.34
Jan	Rented	£1300.00	£289.83	£1211.68	£-479.91	£315000	83.42%	£262777.00
Feb	Rented	£1300.00	£289.83	£1210.96	£-479.91	£315000	83.37%	£262620.94
Mar	Rented	£1300.00	£289.83	£1210.24	£-479.91	£315000	83.32%	£262464.15
Apr	Rented	£1300.00	£289.83	£1209.52	£-479.91	£315000	83.27%	£262306.65
May	Rented	£1300.00	£289.83	£1208.80	£-479.91	£315000	83.22%	£262148.42

Year 2

End of Year Net Worth: £61108.19CAGR: 9.46%Collapse

Yearly Financial Summary

Gross Rental Income	£14657.50
Total Expenses & Mortgage	- £19759.79
Taxable Profit (Income - Expenses)	£11302.02
Tax Due (before credit)	- £4520.81
Interest Tax Credit	+ £2889.54
Final Estimated Tax	- £1631.27
Net Cash Flow (Post-Tax)	£-6723.74
End of Year Property Value	£321300.00
End of Year LTV	80.98%
Property Equity	£61108.19
Investment Portfolio	£0.00
Total Net Worth	£61108.19
CAGR (vs Initial Investment)	9.46%

Yearly Cost & Income Analysis

Principal Paid	£1956.61
Interest Paid	£14447.71
Maintenance	£732.87
Letting Fees	£1172.60
Other Fixed Expenses	£1450.00
Final Estimated Tax	£1631.27
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1208.07	£-1622.98	£321300	81.54%	£261989.46
Jul	Rented	£1332.50	£294.06	£1207.33	£-463.71	£321300	81.49%	£261829.77
Aug	Rented	£1332.50	£294.06	£1206.60	£-463.71	£321300	81.44%	£261669.34
Sep	Rented	£1332.50	£294.06	£1205.86	£-463.71	£321300	81.39%	£261508.17
Oct	Rented	£1332.50	£294.06	£1205.12	£-463.71	£321300	81.34%	£261346.26
Nov	Rented	£1332.50	£294.06	£1204.37	£-463.71	£321300	81.29%	£261183.61
Dec	Rented	£1332.50	£294.06	£1203.62	£-463.71	£321300	81.24%	£261020.20
Jan	Rented	£1332.50	£294.06	£1202.87	£-463.71	£321300	81.19%	£260856.05
Feb	Rented	£1332.50	£294.06	£1202.11	£-463.71	£321300	81.14%	£260691.13
Mar	Rented	£1332.50	£294.06	£1201.35	£-463.71	£321300	81.08%	£260525.46
Apr	Rented	£1332.50	£294.06	£1200.59	£-463.71	£321300	81.03%	£260359.02
May	Rented	£1332.50	£294.06	£1199.82	£-463.71	£321300	80.98%	£260191.81

Year 3

End of Year Net Worth: £69601.78CAGR: 10.92%Collapse

Yearly Financial Summary

Gross Rental Income	£15023.94
Total Expenses & Mortgage	- £19807.43
Taxable Profit (Income - Expenses)	£11620.83
Tax Due (before credit)	- £4648.33
Interest Tax Credit	+ £2867.34
Final Estimated Tax	- £1780.99
Net Cash Flow (Post-Tax)	£-6554.10
End of Year Property Value	£327726.00
End of Year LTV	78.76%
Property Equity	£69601.78
Investment Portfolio	£0.00
Total Net Worth	£69601.78
CAGR (vs Initial Investment)	10.92%

Yearly Cost & Income Analysis

Principal Paid	£2067.59
Interest Paid	£14336.72
Maintenance	£751.20
Letting Fees	£1201.91
Other Fixed Expenses	£1450.00
Final Estimated Tax	£1780.99
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1199.05	£-1635.41	£327726	79.34%	£260023.84
Jul	Rented	£1365.81	£298.39	£1198.28	£-447.15	£327726	79.29%	£259855.09
Aug	Rented	£1365.81	£298.39	£1197.50	£-447.15	£327726	79.24%	£259685.56
Sep	Rented	£1365.81	£298.39	£1196.72	£-447.15	£327726	79.19%	£259515.25
Oct	Rented	£1365.81	£298.39	£1195.93	£-447.15	£327726	79.13%	£259344.16
Nov	Rented	£1365.81	£298.39	£1195.14	£-447.15	£327726	79.08%	£259172.27
Dec	Rented	£1365.81	£298.39	£1194.35	£-447.15	£327726	79.03%	£258999.60
Jan	Rented	£1365.81	£298.39	£1193.56	£-447.15	£327726	78.98%	£258826.13
Feb	Rented	£1365.81	£298.39	£1192.76	£-447.15	£327726	78.92%	£258651.86
Mar	Rented	£1365.81	£298.39	£1191.95	£-447.15	£327726	78.87%	£258476.79
Apr	Rented	£1365.81	£298.39	£1191.15	£-447.15	£327726	78.82%	£258300.91
May	Rented	£1365.81	£298.39	£1190.34	£-447.15	£327726	78.76%	£258124.22

Year 4

End of Year Net Worth: £78341.18CAGR: 11.33%Collapse

Yearly Financial Summary

Gross Rental Income	£15399.54
Total Expenses & Mortgage	- £19856.26
Taxable Profit (Income - Expenses)	£11947.60
Tax Due (before credit)	- £4779.04
Interest Tax Credit	+ £2843.89
Final Estimated Tax	- £1935.15
Net Cash Flow (Post-Tax)	£-6380.91
End of Year Property Value	£334280.52
End of Year LTV	76.56%
Property Equity	£78341.18
Investment Portfolio	£0.00
Total Net Worth	£78341.18
CAGR (vs Initial Investment)	11.33%

Yearly Cost & Income Analysis

Principal Paid	£2184.87
Interest Paid	£14219.44
Maintenance	£769.98
Letting Fees	£1231.96
Other Fixed Expenses	£1450.00
Final Estimated Tax	£1935.15
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1189.52	£-1648.21	£334281	77.16%	£257946.71
Jul	Rented	£1399.96	£302.83	£1188.70	£-430.25	£334281	77.11%	£257768.39
Aug	Rented	£1399.96	£302.83	£1187.88	£-430.25	£334281	77.06%	£257589.25
Sep	Rented	£1399.96	£302.83	£1187.06	£-430.25	£334281	77.00%	£257409.28
Oct	Rented	£1399.96	£302.83	£1186.23	£-430.25	£334281	76.95%	£257228.48
Nov	Rented	£1399.96	£302.83	£1185.39	£-430.25	£334281	76.90%	£257046.85
Dec	Rented	£1399.96	£302.83	£1184.56	£-430.25	£334281	76.84%	£256864.38
Jan	Rented	£1399.96	£302.83	£1183.72	£-430.25	£334281	76.79%	£256681.07
Feb	Rented	£1399.96	£302.83	£1182.87	£-430.25	£334281	76.73%	£256496.92
Mar	Rented	£1399.96	£302.83	£1182.02	£-430.25	£334281	76.68%	£256311.91
Apr	Rented	£1399.96	£302.83	£1181.17	£-430.25	£334281	76.62%	£256126.06
May	Rented	£1399.96	£302.83	£1180.31	£-430.25	£334281	76.56%	£255939.34

Year 5

End of Year Net Worth: £87335.59CAGR: 11.36%Collapse

Yearly Financial Summary

Gross Rental Income	£15784.52
Total Expenses & Mortgage	- £19906.31
Taxable Profit (Income - Expenses)	£12282.54
Tax Due (before credit)	- £4913.01
Interest Tax Credit	+ £2819.10
Final Estimated Tax	- £2093.91
Net Cash Flow (Post-Tax)	£-6204.11
End of Year Property Value	£340966.13
End of Year LTV	74.39%
Property Equity	£87335.59
Investment Portfolio	£0.00
Total Net Worth	£87335.59
CAGR (vs Initial Investment)	11.36%

Yearly Cost & Income Analysis

Principal Paid	£2308.81
Interest Paid	£14095.51
Maintenance	£789.23
Letting Fees	£1262.76
Other Fixed Expenses	£1450.00
Final Estimated Tax	£2093.91
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1179.45	£-1661.39	£340966	75.01%	£255751.77
Jul	Rented	£1434.96	£307.38	£1178.59	£-412.97	£340966	74.95%	£255563.33
Aug	Rented	£1434.96	£307.38	£1177.72	£-412.97	£340966	74.90%	£255374.03
Sep	Rented	£1434.96	£307.38	£1176.85	£-412.97	£340966	74.84%	£255183.85
Oct	Rented	£1434.96	£307.38	£1175.97	£-412.97	£340966	74.79%	£254992.80
Nov	Rented	£1434.96	£307.38	£1175.09	£-412.97	£340966	74.73%	£254800.86
Dec	Rented	£1434.96	£307.38	£1174.21	£-412.97	£340966	74.67%	£254608.04
Jan	Rented	£1434.96	£307.38	£1173.32	£-412.97	£340966	74.62%	£254414.34
Feb	Rented	£1434.96	£307.38	£1172.43	£-412.97	£340966	74.56%	£254219.74
Mar	Rented	£1434.96	£307.38	£1171.53	£-412.97	£340966	74.50%	£254024.24
Apr	Rented	£1434.96	£307.38	£1170.63	£-412.97	£340966	74.44%	£253827.84
May	Rented	£1434.96	£307.38	£1169.72	£-412.97	£340966	74.39%	£253630.54

Year 6

End of Year Net Worth: £96594.69CAGR: 11.23%Collapse

Yearly Financial Summary

Gross Rental Income	£16179.14
Total Expenses & Mortgage	- £19957.61
Taxable Profit (Income - Expenses)	£12625.85
Tax Due (before credit)	- £5050.34
Interest Tax Credit	+ £2792.91
Final Estimated Tax	- £2257.43
Net Cash Flow (Post-Tax)	£-6023.65
End of Year Property Value	£347785.45
End of Year LTV	72.23%
Property Equity	£96594.69
Investment Portfolio	£0.00
Total Net Worth	£96594.69
CAGR (vs Initial Investment)	11.23%

Yearly Cost & Income Analysis

Principal Paid	£2439.77
Interest Paid	£13964.55
Maintenance	£808.96
Letting Fees	£1294.33
Other Fixed Expenses	£1450.00
Final Estimated Tax	£2257.43
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1168.81	£-1674.96	£347785	72.87%	£253432.32
Jul	Rented	£1470.83	£312.04	£1167.90	£-395.34	£347785	72.81%	£253233.20
Aug	Rented	£1470.83	£312.04	£1166.98	£-395.34	£347785	72.76%	£253033.16
Sep	Rented	£1470.83	£312.04	£1166.06	£-395.34	£347785	72.70%	£252832.19
Oct	Rented	£1470.83	£312.04	£1165.14	£-395.34	£347785	72.64%	£252630.30
Nov	Rented	£1470.83	£312.04	£1164.20	£-395.34	£347785	72.58%	£252427.48
Dec	Rented	£1470.83	£312.04	£1163.27	£-395.34	£347785	72.52%	£252223.72
Jan	Rented	£1470.83	£312.04	£1162.33	£-395.34	£347785	72.46%	£252019.02
Feb	Rented	£1470.83	£312.04	£1161.39	£-395.34	£347785	72.40%	£251813.39
Mar	Rented	£1470.83	£312.04	£1160.44	£-395.34	£347785	72.35%	£251606.80
Apr	Rented	£1470.83	£312.04	£1159.49	£-395.34	£347785	72.29%	£251399.26
May	Rented	£1470.83	£312.04	£1158.53	£-395.34	£347785	72.23%	£251190.77

Year 7

End of Year Net Worth: £106128.56CAGR: 11.04%Collapse

Yearly Financial Summary

Gross Rental Income	£16583.62
Total Expenses & Mortgage	- £20010.19
Taxable Profit (Income - Expenses)	£12977.75
Tax Due (before credit)	- £5191.10
Interest Tax Credit	+ £2765.23
Final Estimated Tax	- £2425.87
Net Cash Flow (Post-Tax)	£-5839.50
End of Year Property Value	£354741.16
End of Year LTV	70.08%
Property Equity	£106128.56
Investment Portfolio	£0.00
Total Net Worth	£106128.56
CAGR (vs Initial Investment)	11.04%

Yearly Cost & Income Analysis

Principal Paid	£2578.16
Interest Paid	£13826.15
Maintenance	£829.18
Letting Fees	£1326.69
Other Fixed Expenses	£1450.00
Final Estimated Tax	£2425.87
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1157.57	£-1688.94	£354741	70.75%	£250981.31
Jul	Rented	£1507.60	£316.82	£1156.61	£-377.32	£354741	70.69%	£250770.89
Aug	Rented	£1507.60	£316.82	£1155.64	£-377.32	£354741	70.63%	£250559.50
Sep	Rented	£1507.60	£316.82	£1154.66	£-377.32	£354741	70.57%	£250347.13
Oct	Rented	£1507.60	£316.82	£1153.68	£-377.32	£354741	70.51%	£250133.79
Nov	Rented	£1507.60	£316.82	£1152.70	£-377.32	£354741	70.45%	£249919.46
Dec	Rented	£1507.60	£316.82	£1151.71	£-377.32	£354741	70.39%	£249704.15
Jan	Rented	£1507.60	£316.82	£1150.72	£-377.32	£354741	70.33%	£249487.84
Feb	Rented	£1507.60	£316.82	£1149.72	£-377.32	£354741	70.27%	£249270.54
Mar	Rented	£1507.60	£316.82	£1148.72	£-377.32	£354741	70.21%	£249052.23
Apr	Rented	£1507.60	£316.82	£1147.72	£-377.32	£354741	70.14%	£248832.92
May	Rented	£1507.60	£316.82	£1146.71	£-377.32	£354741	70.08%	£248612.60

Year 8

End of Year Net Worth: £115947.79CAGR: 10.81%Collapse

Yearly Financial Summary

Gross Rental Income	£16998.21
Total Expenses & Mortgage	- £20064.08
Taxable Profit (Income - Expenses)	£13338.44
Tax Due (before credit)	- £5335.38
Interest Tax Credit	+ £2735.98
Final Estimated Tax	- £2599.39
Net Cash Flow (Post-Tax)	£-5651.60
End of Year Property Value	£361835.99
End of Year LTV	67.96%
Property Equity	£115947.79
Investment Portfolio	£0.00
Total Net Worth	£115947.79
CAGR (vs Initial Investment)	10.81%

Yearly Cost & Income Analysis

Principal Paid	£2724.41
Interest Paid	£13679.91
Maintenance	£849.91
Letting Fees	£1359.86
Other Fixed Expenses	£1450.00
Final Estimated Tax	£2599.39
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1145.69	£-1703.34	£361836	68.65%	£248391.27
Jul	Rented	£1545.29	£321.72	£1144.67	£-358.93	£361836	68.59%	£248168.91
Aug	Rented	£1545.29	£321.72	£1143.65	£-358.93	£361836	68.52%	£247945.53
Sep	Rented	£1545.29	£321.72	£1142.62	£-358.93	£361836	68.46%	£247721.12
Oct	Rented	£1545.29	£321.72	£1141.58	£-358.93	£361836	68.40%	£247495.67
Nov	Rented	£1545.29	£321.72	£1140.54	£-358.93	£361836	68.34%	£247269.19
Dec	Rented	£1545.29	£321.72	£1139.50	£-358.93	£361836	68.27%	£247041.66
Jan	Rented	£1545.29	£321.72	£1138.45	£-358.93	£361836	68.21%	£246813.08
Feb	Rented	£1545.29	£321.72	£1137.40	£-358.93	£361836	68.15%	£246583.45
Mar	Rented	£1545.29	£321.72	£1136.34	£-358.93	£361836	68.08%	£246352.77
Apr	Rented	£1545.29	£321.72	£1135.28	£-358.93	£361836	68.02%	£246121.02
May	Rented	£1545.29	£321.72	£1134.21	£-358.93	£361836	67.96%	£245888.20

Year 9

End of Year Net Worth: £126063.45CAGR: 10.58%Collapse

Yearly Financial Summary

Gross Rental Income	£17423.16
Total Expenses & Mortgage	- £20119.33
Taxable Profit (Income - Expenses)	£13708.15
Tax Due (before credit)	- £5483.26
Interest Tax Credit	+ £2705.07
Final Estimated Tax	- £2778.19
Net Cash Flow (Post-Tax)	£-5459.90
End of Year Property Value	£369072.71
End of Year LTV	65.84%
Property Equity	£126063.45
Investment Portfolio	£0.00
Total Net Worth	£126063.45
CAGR (vs Initial Investment)	10.58%

Yearly Cost & Income Analysis

Principal Paid	£2878.94
Interest Paid	£13525.37
Maintenance	£871.16
Letting Fees	£1393.85
Other Fixed Expenses	£1450.00
Final Estimated Tax	£2778.19
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1133.13	£-1718.17	£369073	66.56%	£245654.31
Jul	Rented	£1583.92	£326.74	£1132.06	£-340.16	£369073	66.50%	£245419.34
Aug	Rented	£1583.92	£326.74	£1130.97	£-340.16	£369073	66.43%	£245183.28
Sep	Rented	£1583.92	£326.74	£1129.89	£-340.16	£369073	66.37%	£244946.14
Oct	Rented	£1583.92	£326.74	£1128.79	£-340.16	£369073	66.30%	£244707.91
Nov	Rented	£1583.92	£326.74	£1127.70	£-340.16	£369073	66.24%	£244468.58
Dec	Rented	£1583.92	£326.74	£1126.59	£-340.16	£369073	66.17%	£244228.15
Jan	Rented	£1583.92	£326.74	£1125.48	£-340.16	£369073	66.11%	£243986.60
Feb	Rented	£1583.92	£326.74	£1124.37	£-340.16	£369073	66.04%	£243743.95
Mar	Rented	£1583.92	£326.74	£1123.25	£-340.16	£369073	65.98%	£243500.18
Apr	Rented	£1583.92	£326.74	£1122.13	£-340.16	£369073	65.91%	£243255.28
May	Rented	£1583.92	£326.74	£1121.00	£-340.16	£369073	65.84%	£243009.25

Year 10

End of Year Net Worth: £136487.15CAGR: 10.34%Collapse

Yearly Financial Summary

Gross Rental Income	£17858.74
Total Expenses & Mortgage	- £20175.95
Taxable Profit (Income - Expenses)	£14087.10
Tax Due (before credit)	- £5634.84
Interest Tax Credit	+ £2672.41
Final Estimated Tax	- £2962.43
Net Cash Flow (Post-Tax)	£-5264.37
End of Year Property Value	£376454.16
End of Year LTV	63.74%
Property Equity	£136487.15
Investment Portfolio	£0.00
Total Net Worth	£136487.15
CAGR (vs Initial Investment)	10.34%

Yearly Cost & Income Analysis

Principal Paid	£3042.25
Interest Paid	£13362.07
Maintenance	£892.94
Letting Fees	£1428.70
Other Fixed Expenses	£1450.00
Final Estimated Tax	£2962.43
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1119.87	£-1733.46	£376454	64.49%	£242762.10
Jul	Rented	£1623.52	£331.89	£1118.73	£-320.99	£376454	64.42%	£242513.80
Aug	Rented	£1623.52	£331.89	£1117.58	£-320.99	£376454	64.35%	£242264.36
Sep	Rented	£1623.52	£331.89	£1116.43	£-320.99	£376454	64.29%	£242013.76
Oct	Rented	£1623.52	£331.89	£1115.28	£-320.99	£376454	64.22%	£241762.02
Nov	Rented	£1623.52	£331.89	£1114.12	£-320.99	£376454	64.15%	£241509.11
Dec	Rented	£1623.52	£331.89	£1112.95	£-320.99	£376454	64.09%	£241255.04
Jan	Rented	£1623.52	£331.89	£1111.78	£-320.99	£376454	64.02%	£240999.80
Feb	Rented	£1623.52	£331.89	£1110.61	£-320.99	£376454	63.95%	£240743.38
Mar	Rented	£1623.52	£331.89	£1109.43	£-320.99	£376454	63.88%	£240485.78
Apr	Rented	£1623.52	£331.89	£1108.24	£-320.99	£376454	63.81%	£240226.99
May	Rented	£1623.52	£331.89	£1107.05	£-320.99	£376454	63.74%	£239967.01

Year 11

End of Year Net Worth: £147231.05CAGR: 10.12%Collapse

Yearly Financial Summary

Gross Rental Income	£18305.21
Total Expenses & Mortgage	- £20233.99
Taxable Profit (Income - Expenses)	£14475.53
Tax Due (before credit)	- £5790.21
Interest Tax Credit	+ £2637.90
Final Estimated Tax	- £3152.31
Net Cash Flow (Post-Tax)	£-5064.96
End of Year Property Value	£383983.24
End of Year LTV	61.66%
Property Equity	£147231.05
Investment Portfolio	£0.00
Total Net Worth	£147231.05
CAGR (vs Initial Investment)	10.12%

Yearly Cost & Income Analysis

Principal Paid	£3214.81
Interest Paid	£13189.51
Maintenance	£915.26
Letting Fees	£1464.42
Other Fixed Expenses	£1450.00
Final Estimated Tax	£3152.31
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1105.85	£-1749.21	£383983	62.43%	£239705.83
Jul	Rented	£1664.11	£337.17	£1104.64	£-301.43	£383983	62.36%	£239443.45
Aug	Rented	£1664.11	£337.17	£1103.44	£-301.43	£383983	62.29%	£239179.86
Sep	Rented	£1664.11	£337.17	£1102.22	£-301.43	£383983	62.22%	£238915.05
Oct	Rented	£1664.11	£337.17	£1101.00	£-301.43	£383983	62.15%	£238649.02
Nov	Rented	£1664.11	£337.17	£1099.77	£-301.43	£383983	62.08%	£238381.77
Dec	Rented	£1664.11	£337.17	£1098.54	£-301.43	£383983	62.01%	£238113.29
Jan	Rented	£1664.11	£337.17	£1097.31	£-301.43	£383983	61.94%	£237843.57
Feb	Rented	£1664.11	£337.17	£1096.06	£-301.43	£383983	61.87%	£237572.60
Mar	Rented	£1664.11	£337.17	£1094.81	£-301.43	£383983	61.80%	£237300.39
Apr	Rented	£1664.11	£337.17	£1093.56	£-301.43	£383983	61.73%	£237026.92
May	Rented	£1664.11	£337.17	£1092.30	£-301.43	£383983	61.66%	£236752.20

Year 12

End of Year Net Worth: £158307.88CAGR: 9.90%Collapse

Yearly Financial Summary

Gross Rental Income	£18762.84
Total Expenses & Mortgage	- £20293.49
Taxable Profit (Income - Expenses)	£14873.67
Tax Due (before credit)	- £5949.47
Interest Tax Credit	+ £2601.43
Final Estimated Tax	- £3348.04
Net Cash Flow (Post-Tax)	£-4861.64
End of Year Property Value	£391662.91
End of Year LTV	59.58%
Property Equity	£158307.88
Investment Portfolio	£0.00
Total Net Worth	£158307.88
CAGR (vs Initial Investment)	9.90%

Yearly Cost & Income Analysis

Principal Paid	£3397.17
Interest Paid	£13007.15
Maintenance	£938.14
Letting Fees	£1501.03
Other Fixed Expenses	£1450.00
Final Estimated Tax	£3348.04
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1091.03	£-1765.44	£391663	60.38%	£236476.20
Jul	Rented	£1705.71	£342.58	£1089.76	£-281.47	£391663	60.31%	£236198.94
Aug	Rented	£1705.71	£342.58	£1088.48	£-281.47	£391663	60.24%	£235920.39
Sep	Rented	£1705.71	£342.58	£1087.20	£-281.47	£391663	60.16%	£235640.57
Oct	Rented	£1705.71	£342.58	£1085.91	£-281.47	£391663	60.09%	£235359.45
Nov	Rented	£1705.71	£342.58	£1084.61	£-281.47	£391663	60.02%	£235077.04
Dec	Rented	£1705.71	£342.58	£1083.31	£-281.47	£391663	59.95%	£234793.33
Jan	Rented	£1705.71	£342.58	£1082.01	£-281.47	£391663	59.88%	£234508.31
Feb	Rented	£1705.71	£342.58	£1080.69	£-281.47	£391663	59.80%	£234221.97
Mar	Rented	£1705.71	£342.58	£1079.37	£-281.47	£391663	59.73%	£233934.32
Apr	Rented	£1705.71	£342.58	£1078.05	£-281.47	£391663	59.65%	£233645.34
May	Rented	£1705.71	£342.58	£1076.72	£-281.47	£391663	59.58%	£233355.03

Year 13

End of Year Net Worth: £169731.00CAGR: 9.69%Collapse

Yearly Financial Summary

Gross Rental Income	£19231.91
Total Expenses & Mortgage	- £20354.47
Taxable Profit (Income - Expenses)	£15281.76
Tax Due (before credit)	- £6112.70
Interest Tax Credit	+ £2562.89
Final Estimated Tax	- £3549.81
Net Cash Flow (Post-Tax)	£-4654.35
End of Year Property Value	£399496.17
End of Year LTV	57.51%
Property Equity	£169731.00
Investment Portfolio	£0.00
Total Net Worth	£169731.00
CAGR (vs Initial Investment)	9.69%

Yearly Cost & Income Analysis

Principal Paid	£3589.87
Interest Paid	£12814.45
Maintenance	£961.60
Letting Fees	£1538.55
Other Fixed Expenses	£1450.00
Final Estimated Tax	£3549.81
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1075.38	£-1782.18	£399496	58.34%	£233063.38
Jul	Rented	£1748.36	£348.12	£1074.03	£-261.11	£399496	58.27%	£232770.39
Aug	Rented	£1748.36	£348.12	£1072.68	£-261.11	£399496	58.19%	£232476.04
Sep	Rented	£1748.36	£348.12	£1071.33	£-261.11	£399496	58.12%	£232180.34
Oct	Rented	£1748.36	£348.12	£1069.96	£-261.11	£399496	58.04%	£231883.28
Nov	Rented	£1748.36	£348.12	£1068.60	£-261.11	£399496	57.97%	£231584.85
Dec	Rented	£1748.36	£348.12	£1067.22	£-261.11	£399496	57.89%	£231285.05
Jan	Rented	£1748.36	£348.12	£1065.84	£-261.11	£399496	57.82%	£230983.86
Feb	Rented	£1748.36	£348.12	£1064.45	£-261.11	£399496	57.74%	£230681.28
Mar	Rented	£1748.36	£348.12	£1063.06	£-261.11	£399496	57.67%	£230377.31
Apr	Rented	£1748.36	£348.12	£1061.66	£-261.11	£399496	57.59%	£230071.94
May	Rented	£1748.36	£348.12	£1060.25	£-261.11	£399496	57.51%	£229765.16

Year 14

End of Year Net Worth: £181514.42CAGR: 9.49%Collapse

Yearly Financial Summary

Gross Rental Income	£19712.71
Total Expenses & Mortgage	- £20416.97
Taxable Profit (Income - Expenses)	£15700.06
Tax Due (before credit)	- £6280.02
Interest Tax Credit	+ £2522.16
Final Estimated Tax	- £3757.86
Net Cash Flow (Post-Tax)	£-4443.08
End of Year Property Value	£407486.09
End of Year LTV	55.46%
Property Equity	£181514.42
Investment Portfolio	£0.00
Total Net Worth	£181514.42
CAGR (vs Initial Investment)	9.49%

Yearly Cost & Income Analysis

Principal Paid	£3793.50
Interest Paid	£12610.82
Maintenance	£985.64
Letting Fees	£1577.02
Other Fixed Expenses	£1450.00
Final Estimated Tax	£3757.86
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1058.83	£-1799.43	£407486	56.31%	£229456.97
Jul	Rented	£1792.06	£353.80	£1057.41	£-240.33	£407486	56.23%	£229147.36
Aug	Rented	£1792.06	£353.80	£1055.99	£-240.33	£407486	56.16%	£228836.32
Sep	Rented	£1792.06	£353.80	£1054.55	£-240.33	£407486	56.08%	£228523.85
Oct	Rented	£1792.06	£353.80	£1053.11	£-240.33	£407486	56.00%	£228209.93
Nov	Rented	£1792.06	£353.80	£1051.67	£-240.33	£407486	55.93%	£227894.58
Dec	Rented	£1792.06	£353.80	£1050.21	£-240.33	£407486	55.85%	£227577.76
Jan	Rented	£1792.06	£353.80	£1048.75	£-240.33	£407486	55.77%	£227259.49
Feb	Rented	£1792.06	£353.80	£1047.29	£-240.33	£407486	55.69%	£226939.75
Mar	Rented	£1792.06	£353.80	£1045.81	£-240.33	£407486	55.61%	£226618.54
Apr	Rented	£1792.06	£353.80	£1044.33	£-240.33	£407486	55.53%	£226295.85
May	Rented	£1792.06	£353.80	£1042.85	£-240.33	£407486	55.46%	£225971.67

Year 15

End of Year Net Worth: £193672.82CAGR: 9.30%Collapse

Yearly Financial Summary

Gross Rental Income	£20205.53
Total Expenses & Mortgage	- £20481.04
Taxable Profit (Income - Expenses)	£16128.81
Tax Due (before credit)	- £6451.52
Interest Tax Credit	+ £2479.13
Final Estimated Tax	- £3972.39
Net Cash Flow (Post-Tax)	£-4227.79
End of Year Property Value	£415635.81
End of Year LTV	53.40%
Property Equity	£193672.82
Investment Portfolio	£0.00
Total Net Worth	£193672.82
CAGR (vs Initial Investment)	9.30%

Yearly Cost & Income Analysis

Principal Paid	£4008.68
Interest Paid	£12395.64
Maintenance	£1010.28
Letting Fees	£1616.44
Other Fixed Expenses	£1450.00
Final Estimated Tax	£3972.39
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1041.35	£-1817.22	£415636	54.29%	£225645.99
Jul	Rented	£1836.87	£359.63	£1039.85	£-219.14	£415636	54.21%	£225318.82
Aug	Rented	£1836.87	£359.63	£1038.34	£-219.14	£415636	54.13%	£224990.14
Sep	Rented	£1836.87	£359.63	£1036.83	£-219.14	£415636	54.05%	£224659.94
Oct	Rented	£1836.87	£359.63	£1035.31	£-219.14	£415636	53.97%	£224328.22
Nov	Rented	£1836.87	£359.63	£1033.78	£-219.14	£415636	53.89%	£223994.97
Dec	Rented	£1836.87	£359.63	£1032.24	£-219.14	£415636	53.81%	£223660.19
Jan	Rented	£1836.87	£359.63	£1030.70	£-219.14	£415636	53.73%	£223323.86
Feb	Rented	£1836.87	£359.63	£1029.15	£-219.14	£415636	53.65%	£222985.99
Mar	Rented	£1836.87	£359.63	£1027.59	£-219.14	£415636	53.57%	£222646.56
Apr	Rented	£1836.87	£359.63	£1026.03	£-219.14	£415636	53.49%	£222305.56
May	Rented	£1836.87	£359.63	£1024.46	£-219.14	£415636	53.40%	£221962.99

Year 16

End of Year Net Worth: £206221.60CAGR: 9.12%Collapse

Yearly Financial Summary

Gross Rental Income	£20710.66
Total Expenses & Mortgage	- £20546.70
Taxable Profit (Income - Expenses)	£16568.28
Tax Due (before credit)	- £6627.31
Interest Tax Credit	+ £2433.65
Final Estimated Tax	- £4193.66
Net Cash Flow (Post-Tax)	£-4008.44
End of Year Property Value	£423948.53
End of Year LTV	51.36%
Property Equity	£206221.60
Investment Portfolio	£0.00
Total Net Worth	£206221.60
CAGR (vs Initial Investment)	9.12%

Yearly Cost & Income Analysis

Principal Paid	£4236.06
Interest Paid	£12168.26
Maintenance	£1035.53
Letting Fees	£1656.85
Other Fixed Expenses	£1450.00
Final Estimated Tax	£4193.66
Void Months	1

Month	Status	Rent	Expenses	Interest	Cash Flow (Post-Tax)	Prop. Value	LTV	End Balance
Jun	Void	£0.00	£120.83	£1022.88	£-1835.56	£423949	52.27%	£221618.84
Jul	Rented	£1882.79	£365.60	£1021.29	£-197.53	£423949	52.19%	£221273.11
Aug	Rented	£1882.79	£365.60	£1019.70	£-197.53	£423949	52.11%	£220925.78
Sep	Rented	£1882.79	£365.60	£1018.10	£-197.53	£423949	52.03%	£220576.86
Oct	Rented	£1882.79	£365.60	£1016.49	£-197.53	£423949	51.95%	£220226.32
Nov	Rented	£1882.79	£365.60	£1014.88	£-197.53	£423949	51.86%	£219874.17
Dec	Rented	£1882.79	£365.60	£1013.25	£-197.53	£423949	51.78%	£219520.40
Jan	Rented	£1882.79	£365.60	£1011.62	£-197.53	£423949	51.70%	£219165.00
Feb	Rented	£1882.79	£365.60	£1009.99	£-197.53	£423949	51.61%	£218807.96
Mar	Rented	£1882.79	£365.60	£1008.34	£-197.53	£423949	51.53%	£218449.27
Apr	Rented	£1882.79	£365.60	£1006.69	£-197.53	£423949	51.44%	£218088.93
May	Rented	£1882.79	£365.60	£1005.03	£-197.53	£423949	51.36%	£217726.93

Year 17

End of Year Net Worth: £219176.91CAGR: 8.96%Collapse

Yearly Financial Summary

Gross Rental Income	£21228.43
Total Expenses & Mortgage	- £20614.01
Taxable Profit (Income - Expenses)	£17018.73
Tax Due (before credit)	- £6807.49
Interest Tax Credit	+ £2385.59
Final Estimated Tax	- £4421.90
Net Cash Flow (Post-Tax)	£-3785.02
End of Year Property Value	£432427.50
End of Year LTV	49.31%
Property Equity	£219176.91
Investment Portfolio	£0.00
Total Net Worth	£219176.91
CAGR (vs Initial Investment)	8.96%

Yearly Cost & Income Analysis

Principal Paid	£4476.34
Interest Paid	£11927.97
Maintenance	£1061.42
Letting Fees	£1698.27
Other Fixed Expenses	£1450.00
Final Estimated Tax	£4421.90
Void Months	1

Year 18

End of Year Net Worth: £232555.72CAGR: 8.79%Collapse

Yearly Financial Summary

Gross Rental Income	£21759.14
Total Expenses & Mortgage	- £20683.01
Taxable Profit (Income - Expenses)	£17480.45
Tax Due (before credit)	- £6992.18
Interest Tax Credit	+ £2334.81
Final Estimated Tax	- £4657.37
Net Cash Flow (Post-Tax)	£-3557.49
End of Year Property Value	£441076.05
End of Year LTV	47.28%
Property Equity	£232555.72
Investment Portfolio	£0.00
Total Net Worth	£232555.72
CAGR (vs Initial Investment)	8.79%

Yearly Cost & Income Analysis

Principal Paid	£4730.26
Interest Paid	£11674.06
Maintenance	£1087.96
Letting Fees	£1740.73
Other Fixed Expenses	£1450.00
Final Estimated Tax	£4657.37
Void Months	1

Year 19

End of Year Net Worth: £246375.82CAGR: 8.64%Collapse

Yearly Financial Summary

Gross Rental Income	£22303.12
Total Expenses & Mortgage	- £20753.72
Taxable Profit (Income - Expenses)	£17953.71
Tax Due (before credit)	- £7181.49
Interest Tax Credit	+ £2281.15
Final Estimated Tax	- £4900.34
Net Cash Flow (Post-Tax)	£-3325.85
End of Year Property Value	£449897.57
End of Year LTV	45.24%
Property Equity	£246375.82
Investment Portfolio	£0.00
Total Net Worth	£246375.82
CAGR (vs Initial Investment)	8.64%

Yearly Cost & Income Analysis

Principal Paid	£4998.57
Interest Paid	£11405.74
Maintenance	£1115.16
Letting Fees	£1784.25
Other Fixed Expenses	£1450.00
Final Estimated Tax	£4900.34
Void Months	1

Year 20

End of Year Net Worth: £260655.88CAGR: 8.50%Collapse

Yearly Financial Summary

Gross Rental Income	£22860.70
Total Expenses & Mortgage	- £20826.21
Taxable Profit (Income - Expenses)	£18438.81
Tax Due (before credit)	- £7375.52
Interest Tax Credit	+ £2224.44
Final Estimated Tax	- £5151.08
Net Cash Flow (Post-Tax)	£-3090.08
End of Year Property Value	£458895.52
End of Year LTV	43.20%
Property Equity	£260655.88
Investment Portfolio	£0.00
Total Net Worth	£260655.88
CAGR (vs Initial Investment)	8.50%

Yearly Cost & Income Analysis

Principal Paid	£5282.11
Interest Paid	£11122.21
Maintenance	£1143.03
Letting Fees	£1828.86
Other Fixed Expenses	£1450.00
Final Estimated Tax	£5151.08
Void Months	1

Year 21

End of Year Net Worth: £275415.52CAGR: 8.36%Collapse

Yearly Financial Summary

Gross Rental Income	£23432.22
Total Expenses & Mortgage	- £20900.51
Taxable Profit (Income - Expenses)	£18936.03
Tax Due (before credit)	- £7574.41
Interest Tax Credit	+ £2164.52
Final Estimated Tax	- £5409.89
Net Cash Flow (Post-Tax)	£-2850.17
End of Year Property Value	£468073.43
End of Year LTV	41.16%
Property Equity	£275415.52
Investment Portfolio	£0.00
Total Net Worth	£275415.52
CAGR (vs Initial Investment)	8.36%

Yearly Cost & Income Analysis

Principal Paid	£5581.73
Interest Paid	£10822.59
Maintenance	£1171.61
Letting Fees	£1874.58
Other Fixed Expenses	£1450.00
Final Estimated Tax	£5409.89
Void Months	1

Year 22

End of Year Net Worth: £290675.33CAGR: 8.23%Collapse

Yearly Financial Summary

Gross Rental Income	£24018.02
Total Expenses & Mortgage	- £20976.66
Taxable Profit (Income - Expenses)	£19445.68
Tax Due (before credit)	- £7778.27
Interest Tax Credit	+ £2101.19
Final Estimated Tax	- £5677.08
Net Cash Flow (Post-Tax)	£-2606.11
End of Year Property Value	£477434.90
End of Year LTV	39.12%
Property Equity	£290675.33
Investment Portfolio	£0.00
Total Net Worth	£290675.33
CAGR (vs Initial Investment)	8.23%

Yearly Cost & Income Analysis

Principal Paid	£5898.34
Interest Paid	£10505.97
Maintenance	£1200.90
Letting Fees	£1921.44
Other Fixed Expenses	£1450.00
Final Estimated Tax	£5677.08
Void Months	1

Year 23

End of Year Net Worth: £306456.95CAGR: 8.11%Collapse

Yearly Financial Summary

Gross Rental Income	£24618.47
Total Expenses & Mortgage	- £21054.72
Taxable Profit (Income - Expenses)	£19968.07
Tax Due (before credit)	- £7987.23
Interest Tax Credit	+ £2034.28
Final Estimated Tax	- £5952.95
Net Cash Flow (Post-Tax)	£-2357.92
End of Year Property Value	£486983.60
End of Year LTV	37.07%
Property Equity	£306456.95
Investment Portfolio	£0.00
Total Net Worth	£306456.95
CAGR (vs Initial Investment)	8.11%

Yearly Cost & Income Analysis

Principal Paid	£6232.92
Interest Paid	£10171.40
Maintenance	£1230.92
Letting Fees	£1969.48
Other Fixed Expenses	£1450.00
Final Estimated Tax	£5952.95
Void Months	1

Year 24

End of Year Net Worth: £322783.09CAGR: 7.99%Collapse

Yearly Financial Summary

Gross Rental Income	£25233.93
Total Expenses & Mortgage	- £21134.73
Taxable Profit (Income - Expenses)	£20503.52
Tax Due (before credit)	- £8201.41
Interest Tax Credit	+ £1963.57
Final Estimated Tax	- £6237.84
Net Cash Flow (Post-Tax)	£-2105.58
End of Year Property Value	£496723.27
End of Year LTV	35.02%
Property Equity	£322783.09
Investment Portfolio	£0.00
Total Net Worth	£322783.09
CAGR (vs Initial Investment)	7.99%

Yearly Cost & Income Analysis

Principal Paid	£6586.47
Interest Paid	£9817.85
Maintenance	£1261.70
Letting Fees	£2018.71
Other Fixed Expenses	£1450.00
Final Estimated Tax	£6237.84
Void Months	1

Year 25

End of Year Net Worth: £339864.23CAGR: 7.88%Collapse

Yearly Financial Summary

Gross Rental Income	£25864.78
Total Expenses & Mortgage	- £21216.74
Taxable Profit (Income - Expenses)	£21052.36
Tax Due (before credit)	- £8420.94
Interest Tax Credit	+ £1888.85
Final Estimated Tax	- £6532.10
Net Cash Flow (Post-Tax)	£-1849.12
End of Year Property Value	£506657.73
End of Year LTV	32.96%
Property Equity	£339677.63
Investment Portfolio	£186.60
Total Net Worth	£339864.23
CAGR (vs Initial Investment)	7.88%

Yearly Cost & Income Analysis

Principal Paid	£6960.08
Interest Paid	£9444.24
Maintenance	£1293.24
Letting Fees	£2069.18
Other Fixed Expenses	£1450.00
Final Estimated Tax	£6532.10
Void Months	1

Year 26

End of Year Net Worth: £357848.27CAGR: 7.78%Collapse

Yearly Financial Summary

Gross Rental Income	£26511.40
Total Expenses & Mortgage	- £21300.80
Taxable Profit (Income - Expenses)	£21614.92
Tax Due (before credit)	- £8645.97
Interest Tax Credit	+ £1809.89
Final Estimated Tax	- £6836.08
Net Cash Flow (Post-Tax)	£-1588.57
End of Year Property Value	£516790.89
End of Year LTV	30.89%
Property Equity	£357165.67
Investment Portfolio	£682.60
Total Net Worth	£357848.27
CAGR (vs Initial Investment)	7.78%

Yearly Cost & Income Analysis

Principal Paid	£7354.88
Interest Paid	£9049.44
Maintenance	£1325.57
Letting Fees	£2120.91
Other Fixed Expenses	£1450.00
Final Estimated Tax	£6836.08
Void Months	1

Year 27

End of Year Net Worth: £376789.02CAGR: 7.69%Collapse

Yearly Financial Summary

Gross Rental Income	£27174.19
Total Expenses & Mortgage	- £21386.96
Taxable Profit (Income - Expenses)	£22191.54
Tax Due (before credit)	- £8876.62
Interest Tax Credit	+ £1726.45
Final Estimated Tax	- £7150.17
Net Cash Flow (Post-Tax)	£-1323.94
End of Year Property Value	£527126.71
End of Year LTV	28.81%
Property Equity	£375273.55
Investment Portfolio	£1515.47
Total Net Worth	£376789.02
CAGR (vs Initial Investment)	7.69%

Yearly Cost & Income Analysis

Principal Paid	£7772.07
Interest Paid	£8632.25
Maintenance	£1358.71
Letting Fees	£2173.93
Other Fixed Expenses	£1450.00
Final Estimated Tax	£7150.17
Void Months	1

Year 28

End of Year Net Worth: £396743.63CAGR: 7.60%Collapse

Yearly Financial Summary

Gross Rental Income	£27853.54
Total Expenses & Mortgage	- £21475.28
Taxable Profit (Income - Expenses)	£22782.58
Tax Due (before credit)	- £9113.03
Interest Tax Credit	+ £1638.28
Final Estimated Tax	- £7474.75
Net Cash Flow (Post-Tax)	£-1055.27
End of Year Property Value	£537669.24
End of Year LTV	26.72%
Property Equity	£394029.02
Investment Portfolio	£2714.62
Total Net Worth	£396743.63
CAGR (vs Initial Investment)	7.60%

Yearly Cost & Income Analysis

Principal Paid	£8212.93
Interest Paid	£8191.39
Maintenance	£1392.68
Letting Fees	£2228.28
Other Fixed Expenses	£1450.00
Final Estimated Tax	£7474.75
Void Months	1

Year 29

End of Year Net Worth: £417772.78CAGR: 7.52%Collapse

Yearly Financial Summary

Gross Rental Income	£28549.88
Total Expenses & Mortgage	- £21565.80
Taxable Profit (Income - Expenses)	£23388.39
Tax Due (before credit)	- £9355.36
Interest Tax Credit	+ £1545.10
Final Estimated Tax	- £7810.25
Net Cash Flow (Post-Tax)	£-782.62
End of Year Property Value	£548422.62
End of Year LTV	24.61%
Property Equity	£413461.19
Investment Portfolio	£4311.59
Total Net Worth	£417772.78
CAGR (vs Initial Investment)	7.52%

Yearly Cost & Income Analysis

Principal Paid	£8678.79
Interest Paid	£7725.52
Maintenance	£1427.49
Letting Fees	£2283.99
Other Fixed Expenses	£1450.00
Final Estimated Tax	£7810.25
Void Months	1

Year 30

End of Year Net Worth: £439940.92CAGR: 7.45%Collapse

Yearly Financial Summary

Gross Rental Income	£29263.63
Total Expenses & Mortgage	- £21658.59
Taxable Profit (Income - Expenses)	£24009.35
Tax Due (before credit)	- £9603.74
Interest Tax Credit	+ £1446.65
Final Estimated Tax	- £8157.09
Net Cash Flow (Post-Tax)	£-506.03
End of Year Property Value	£559391.08
End of Year LTV	22.49%
Property Equity	£433600.73
Investment Portfolio	£6340.19
Total Net Worth	£439940.92
CAGR (vs Initial Investment)	7.45%

Yearly Cost & Income Analysis

Principal Paid	£9171.08
Interest Paid	£7233.23
Maintenance	£1463.18
Letting Fees	£2341.09
Other Fixed Expenses	£1450.00
Final Estimated Tax	£8157.09
Void Months	1

Year 31

End of Year Net Worth: £463316.48CAGR: 7.38%Collapse

Yearly Financial Summary

Gross Rental Income	£29995.22
Total Expenses & Mortgage	- £21753.70
Taxable Profit (Income - Expenses)	£24645.84
Tax Due (before credit)	- £9858.34
Interest Tax Credit	+ £1342.60
Final Estimated Tax	- £8515.73
Net Cash Flow (Post-Tax)	£-225.57
End of Year Property Value	£570578.90
End of Year LTV	20.35%
Property Equity	£454479.85
Investment Portfolio	£8836.63
Total Net Worth	£463316.48
CAGR (vs Initial Investment)	7.38%

Yearly Cost & Income Analysis

Principal Paid	£9691.30
Interest Paid	£6713.02
Maintenance	£1499.76
Letting Fees	£2399.62
Other Fixed Expenses	£1450.00
Final Estimated Tax	£8515.73
Void Months	1

Year 32

End of Year Net Worth: £487972.16CAGR: 7.31%Collapse

Yearly Financial Summary

Gross Rental Income	£30745.10
Total Expenses & Mortgage	- £21851.18
Taxable Profit (Income - Expenses)	£25298.23
Tax Due (before credit)	- £10119.29
Interest Tax Credit	+ £1232.66
Final Estimated Tax	- £8886.63
Net Cash Flow (Post-Tax)	£58.68
End of Year Property Value	£581990.48
End of Year LTV	18.19%
Property Equity	£476132.45
Investment Portfolio	£11839.71
Total Net Worth	£487972.16
CAGR (vs Initial Investment)	7.31%

Yearly Cost & Income Analysis

Principal Paid	£10241.02
Interest Paid	£6163.30
Maintenance	£1537.25
Letting Fees	£2459.61
Other Fixed Expenses	£1450.00
Final Estimated Tax	£8886.63
Void Months	1

Year 33

End of Year Net Worth: £513985.17CAGR: 7.25%Collapse

Yearly Financial Summary

Gross Rental Income	£31513.72
Total Expenses & Mortgage	- £21951.10
Taxable Profit (Income - Expenses)	£25966.94
Tax Due (before credit)	- £10386.78
Interest Tax Credit	+ £1116.48
Final Estimated Tax	- £9270.30
Net Cash Flow (Post-Tax)	£346.64
End of Year Property Value	£593630.29
End of Year LTV	16.01%
Property Equity	£498594.19
Investment Portfolio	£15390.98
Total Net Worth	£513985.17
CAGR (vs Initial Investment)	7.25%

Yearly Cost & Income Analysis

Principal Paid	£10821.93
Interest Paid	£5582.39
Maintenance	£1575.69
Letting Fees	£2521.10
Other Fixed Expenses	£1450.00
Final Estimated Tax	£9270.30
Void Months	1

Year 34

End of Year Net Worth: £541437.51CAGR: 7.20%Collapse

Yearly Financial Summary

Gross Rental Income	£32301.57
Total Expenses & Mortgage	- £22053.52
Taxable Profit (Income - Expenses)	£26652.36
Tax Due (before credit)	- £10660.95
Interest Tax Credit	+ £993.71
Final Estimated Tax	- £9667.24
Net Cash Flow (Post-Tax)	£638.20
End of Year Property Value	£605502.89
End of Year LTV	13.81%
Property Equity	£521902.58
Investment Portfolio	£19534.94
Total Net Worth	£541437.51
CAGR (vs Initial Investment)	7.20%

Yearly Cost & Income Analysis

Principal Paid	£11435.78
Interest Paid	£4968.53
Maintenance	£1615.08
Letting Fees	£2584.13
Other Fixed Expenses	£1450.00
Final Estimated Tax	£9667.24
Void Months	1

Year 35

End of Year Net Worth: £570416.31CAGR: 7.14%Collapse

Yearly Financial Summary

Gross Rental Income	£33109.11
Total Expenses & Mortgage	- £22158.50
Taxable Profit (Income - Expenses)	£27354.92
Tax Due (before credit)	- £10941.97
Interest Tax Credit	+ £863.97
Final Estimated Tax	- £10078.00
Net Cash Flow (Post-Tax)	£933.26
End of Year Property Value	£617612.95
End of Year LTV	11.58%
Property Equity	£546097.09
Investment Portfolio	£24319.22
Total Net Worth	£570416.31
CAGR (vs Initial Investment)	7.14%

Yearly Cost & Income Analysis

Principal Paid	£12084.46
Interest Paid	£4319.86
Maintenance	£1655.46
Letting Fees	£2648.73
Other Fixed Expenses	£1450.00
Final Estimated Tax	£10078.00
Void Months	1

Year 36

End of Year Net Worth: £601014.10CAGR: 7.09%Collapse

Yearly Financial Summary

Gross Rental Income	£33936.83
Total Expenses & Mortgage	- £22266.11
Taxable Profit (Income - Expenses)	£28075.05
Tax Due (before credit)	- £11230.02
Interest Tax Credit	+ £726.88
Final Estimated Tax	- £10503.14
Net Cash Flow (Post-Tax)	£1231.68
End of Year Property Value	£629965.21
End of Year LTV	9.33%
Property Equity	£571219.28
Investment Portfolio	£29794.82
Total Net Worth	£601014.10
CAGR (vs Initial Investment)	7.09%

Yearly Cost & Income Analysis

Principal Paid	£12769.93
Interest Paid	£3634.39
Maintenance	£1696.84
Letting Fees	£2714.95
Other Fixed Expenses	£1450.00
Final Estimated Tax	£10503.14
Void Months	1

Year 37

End of Year Net Worth: £633329.20CAGR: 7.05%Collapse

Yearly Financial Summary

Gross Rental Income	£34785.26
Total Expenses & Mortgage	- £22376.40
Taxable Profit (Income - Expenses)	£28813.17
Tax Due (before credit)	- £11525.27
Interest Tax Credit	+ £582.01
Final Estimated Tax	- £10943.26
Net Cash Flow (Post-Tax)	£1533.32
End of Year Property Value	£642564.51
End of Year LTV	7.04%
Property Equity	£597312.87
Investment Portfolio	£36016.33
Total Net Worth	£633329.20
CAGR (vs Initial Investment)	7.05%

Yearly Cost & Income Analysis

Principal Paid	£13494.28
Interest Paid	£2910.03
Maintenance	£1739.26
Letting Fees	£2782.82
Other Fixed Expenses	£1450.00
Final Estimated Tax	£10943.26
Void Months	1

Year 38

End of Year Net Worth: £667466.05CAGR: 7.00%Collapse

Yearly Financial Summary

Gross Rental Income	£35654.89
Total Expenses & Mortgage	- £22489.45
Taxable Profit (Income - Expenses)	£29569.75
Tax Due (before credit)	- £11827.90
Interest Tax Credit	+ £428.92
Final Estimated Tax	- £11398.98
Net Cash Flow (Post-Tax)	£1838.02
End of Year Property Value	£655415.80
End of Year LTV	4.73%
Property Equity	£624423.89
Investment Portfolio	£43042.16
Total Net Worth	£667466.05
CAGR (vs Initial Investment)	7.00%

Yearly Cost & Income Analysis

Principal Paid	£14259.73
Interest Paid	£2144.59
Maintenance	£1782.74
Letting Fees	£2852.39
Other Fixed Expenses	£1450.00
Final Estimated Tax	£11398.98
Void Months	1

Year 39

End of Year Net Worth: £703535.64CAGR: 6.96%Collapse

Yearly Financial Summary

Gross Rental Income	£36546.26
Total Expenses & Mortgage	- £22605.33
Taxable Profit (Income - Expenses)	£30345.24
Tax Due (before credit)	- £12138.10
Interest Tax Credit	+ £267.15
Final Estimated Tax	- £11870.95
Net Cash Flow (Post-Tax)	£2145.60
End of Year Property Value	£668524.12
End of Year LTV	2.38%
Property Equity	£652600.79
Investment Portfolio	£50934.85
Total Net Worth	£703535.64
CAGR (vs Initial Investment)	6.96%

Yearly Cost & Income Analysis

Principal Paid	£15068.59
Interest Paid	£1335.73
Maintenance	£1827.31
Letting Fees	£2923.70
Other Fixed Expenses	£1450.00
Final Estimated Tax	£11870.95
Void Months	1

Year 40

End of Year Net Worth: £741655.86CAGR: 6.92%Collapse

Yearly Financial Summary

Gross Rental Income	£37459.92
Total Expenses & Mortgage	- £22724.11
Taxable Profit (Income - Expenses)	£31140.13
Tax Due (before credit)	- £12456.05
Interest Tax Credit	+ £96.20
Final Estimated Tax	- £12359.85
Net Cash Flow (Post-Tax)	£2455.87
End of Year Property Value	£681894.60
End of Year LTV	0.00%
Property Equity	£681894.60
Investment Portfolio	£59761.26
Total Net Worth	£741655.86
CAGR (vs Initial Investment)	6.92%

Yearly Cost & Income Analysis

Principal Paid	£15923.33
Interest Paid	£480.99
Maintenance	£1873.00
Letting Fees	£2996.79
Other Fixed Expenses	£1450.00
Final Estimated Tax	£12359.85
Void Months	1