Debt Analysis
Assess portfolio gearing, debt service cover and refinancing exposure.
Introduction
Who this is for: Geared portfolio investors managing refinancing risk.
Why it matters: Portfolio risk concentrates in two places: how much debt matures at once, and how much headroom exists if rates rise. DSCR at a stressed rate is what a lender will look at, not the current pay rate.
Typical scenario: An investor with £1.8m of debt across a portfolio, checking exposure if rates rise 2%.
- Measuring cover at the pay rate rather than a stressed rate.
- Not tracking how much debt matures in the same year.
- Assuming refinancing will be available on the same terms.
Inputs
Portfolio
Debt Terms
x
Analysis
LTV is 69.2% with £800,000 of equity. Debt service of £95,400 is covered 1.76x, falling to 1.28x at 7.30%. 42% of debt matures within a year.
This analysis provides context, not financial advice. Consult a qualified adviser before making investment decisions.
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Sensitivity
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Live Results
Portfolio LTV
69.23%
DSCR (current rate)
1.76x
DSCR (stressed)
1.28x
Net Cash Flow
£72,600