Finance stacking is the process of modelling how cash, loans, deposits, refinance periods and equity release interact over time.
Core finance inputs
- Deposit and loan amount.
- Mortgage rate, product length and product sequence.
- Interest-only or repayment assumptions.
- Refinance valuation basis and target LTV.
- Bridge or refurb finance where a refurb stage is enabled.
Why timing matters
The same headline loan can behave differently depending on when the refurb completes, when the mortgage starts, and whether the refinance is based on purchase price, ARV or a later projected value.
What to check
Look at cash in, LTV, debt after refinance, equity release, annual cashflow, DSCR and total wealth together. A structure that maximises equity release may still be fragile if it leaves the deal with weak cover or negative cashflow.