{"id":5,"date":"2026-05-21T16:15:22","date_gmt":"2026-05-21T16:15:22","guid":{"rendered":""},"modified":"2026-05-21T16:15:22","modified_gmt":"2026-05-21T16:15:22","slug":"finance-stacking-deposits-loans-and-refinance","status":"publish","type":"page","link":"https:\/\/koreograph.com\/pages\/finance-stacking-deposits-loans-and-refinance\/","title":{"rendered":"Finance stacking: deposits, loans and refinance"},"content":{"rendered":"<p>Finance stacking is the process of modelling how cash, loans, deposits, refinance periods and equity release interact over time.<\/p>\n<h2>Core finance inputs<\/h2>\n<ul>\n<li>Deposit and loan amount.<\/li>\n<li>Mortgage rate, product length and product sequence.<\/li>\n<li>Interest-only or repayment assumptions.<\/li>\n<li>Refinance valuation basis and target LTV.<\/li>\n<li>Bridge or refurb finance where a refurb stage is enabled.<\/li>\n<\/ul>\n<h2>Why timing matters<\/h2>\n<p>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.<\/p>\n<h2>What to check<\/h2>\n<p>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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How Koreograph models cash, debt, product periods, refinance assumptions and equity release.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ai_generated_summary":"","wpai_meta_description":"","footnotes":""},"class_list":["post-5","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/koreograph.com\/pages\/wp-json\/wp\/v2\/pages\/5","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/koreograph.com\/pages\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/koreograph.com\/pages\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/koreograph.com\/pages\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/koreograph.com\/pages\/wp-json\/wp\/v2\/comments?post=5"}],"version-history":[{"count":0,"href":"https:\/\/koreograph.com\/pages\/wp-json\/wp\/v2\/pages\/5\/revisions"}],"wp:attachment":[{"href":"https:\/\/koreograph.com\/pages\/wp-json\/wp\/v2\/media?parent=5"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}