Cresvia Private · Deal Analyser & Underwriting
3 Scholes Lane, Saint Helens
Investor: General Portfolio Saint Helens WA9 5NX | ⏳ DEAL UNDER REVIEW 🔒 Private Record · Staff Only Saved
Purchase Price
£0
Total Capital Required
£0
Post Refurbishment Value
£0
Expected Value at Refinance
£0
Below Market Value
Discount achieved on purchase price relative to current market value.
0.0%
Estimated Cashflow
Projected monthly rental cashflow after mortgage interest, Cresvia management fees and modelled operating expenses following refinance.
Option 1 (55% LTV)
£0 pcm
Option 2 (70% LTV)
£0 pcm
Investment Criteria
4 / 4 Core Criteria Met
Gross Yield
0.0%
Target ≥ 10.0%
Vacant Possession
Yes
Target: Vacant Possession (Yes)
Forecasted Monthly Rental
£0
Target: ≥ £750
Uplift from Total Capital Required to Expected Value at Refinance
0.0%
Target ≥ 10.0%
01 / 05 — Property
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Property Profile Details
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Full Address
-
Bedrooms / Type
-
Sourcing Agent
-
Viewing Date
-
EPC / Size
-
Target Purchase Pricing & Details
Purchase
£
£
£
Valuation
£
£
£
Timescales
Calculated Valuation Metrics
Discount from Asking
-
Discount from Market Value
-
Refurbishment Uplift
-
Price Growth Uplift
-
Purchase to Refinance Uplift
-
Yield at Purchase
-
Yield at Refinance
-
Acquisition Purchase Expenses
—
£
£
£
£5,000.00
Calculated using tiered UK Stamp Duty Land Tax (SDLT) rates on the purchase price.
5.00%
£
£0.00
Total Secondary Purchase Costs:
£0.00
Total Acquisition Capital Outlay:
£0.00
Renovation Budget Breakdown
| Works Category | Budget Estimate | Refine Budget |
|---|---|---|
| Roof refurbishment |
£
|
|
| Windows |
£
|
|
| Electrics / Re-wiring |
£
|
|
| Heating / Boiler System |
£
|
|
| Kitchen Fitting |
£
|
|
| Bathroom Fitting |
£
|
|
| Flooring / Carpeting |
£
|
|
| Other refurbishment works |
£
|
|
| Holding bills (pcm during works — exempt of VAT) |
£
|
|
|
£0.00
|
Calculated at 20% of Net Renovation Construction Sum (Holding bills excluded) |
Net Renovation Construction Sum (Excl. VAT):
£0.00
VAT on Refurbishment Works (20% — Holding Bills Exempt):
£0.00
Holding Bills (Exempt of VAT):
£0.00
Total Works Capital Required (inc. VAT & Holding Bills):
£0.00
Cash Funding
Bridging Finance
BTL Mortgage
Out-of-Pocket Cash Funding
Cash Funding Option Active: 100% of purchase price, renovations, and acquisition fees are funded out of pocket. No leverage finance interest or broker arrangement costs apply.
Total Cash Capital Required
£0.00
Short-Term Bridging Finance
%
£
£
£
£
£
£
£
Gross-Net Fee Difference
£0.00
Deposit Capital Required
£0.00
Total Fees Added to Loan
£0.00
Total Fees Paid Upfront
£0.00
Net Funds Invested (Hold Phase)
£0.00
Buy-to-Let Mortgage (Purchase Option)
%
%
£
£
£
Mortgage Principal Sourced
£0.00
Arrangement Fee (Capitalized)
£0.00
Total Debt Balance
£0.00
Monthly Mortgage Service (pcm)
£0.00
Equity Capital Deposit Required
£0.00
Own Funds Invested Out-of-Pocket
£0.00
Hold Phase Yields & Cashflows
Total Hold Period Finance Costs
£0.00
Total Own Out-of-Pocket Capital
£0.00
Monthly Hold Cashflow Breakdown (pcm)
Monthly Gross Rent
£0.00
Monthly Finance Cost
£0.00
Cresvia Management Fee (% p.a.)
%
Cresvia Monthly Management Fee
£0.00
Cresvia Management fee (2%) of initial purchase price. Please note this will increase when the property is refinanced.
Operating Expenses Assumptions
Voids / bad debt (% of rent)
%
Repairs & maintenance (% of rent)
%
Letting & property management (% of rent)
%
Insurance per unit p.a.
£
Compliance & certificates per unit p.a.
£
Property Licence (cost to be added) p.a.
£
Total Monthly Operating Expenses
£0.00
£0.00
Tenant Setup / Find Fee
£
Net Monthly Hold Cashflow
£0.00
Annualised Hold Cashflow
£0.00
Hold Phase Gross Yield
0.0%
Hold Phase Net Yield
0.0%
Acquisition Funding Summary
Leverage Loan Sourced
£0.00
Own Out-of-Pocket Capital
£0.00
Holding Period Finance Costs
£0.00
Total Acquisition Capital
£0.00
Refinance Strategy Analysis
Compare two custom Loan-to-Value (LTV) refinancing options to balance capital recovery and ongoing cash yields.
OPTION 1
55% LTV
%
%
Mortgage Principal:
£0.00
Net Capital Left in Deal:
Total Capital Required minus Mortgage Principal (and any unused retained bridging interest refund).
£0.00
Monthly Cashflow (pcm):
£0.00
Return on Capital (ROI):
0.0%
Capital Payback Period:
0 years
OPTION 2
70% LTV
%
%
Mortgage Principal:
£0.00
Net Capital Left in Deal:
Total Capital Required minus Mortgage Principal (and any unused retained bridging interest refund).
£0.00
Monthly Cashflow (pcm):
£0.00
Return on Capital (ROI):
0.0%
Capital Payback Period:
0 years
View Technical Refinancing Details
| Parameters | Option 1 (55% LTV) | Option 2 (70% LTV) |
|---|---|---|
| Target LTV | 55.0% | 70.0% |
| Arrangement Fee Percent/Fixed | ||
| Calculated Arrangement Fee | £0.00 | £0.00 |
| Valuation Fee (upfront) | ||
| Other Refinance Fees (added) | ||
| Total Mortgage Debt (inc. Fees) | £0.00 | £0.00 |
| Monthly Payment (pcm) | £0.00 | £0.00 |
| Interest Refund (Bridging Retained) | £0.00 | £0.00 |
| Net Capital Left in Deal | £0.00 | £0.00 |
| Proportion Left in Deal (%) | 0.0% | 0.0% |
| Forecasted Monthly Rental (pcm) | £0.00 | £0.00 |
| Cresvia Management Fee (2% p.a. of Refinance Value, pcm) | £0.00 | £0.00 |
| Refi Operating Expenses (pcm) | £0.00 | £0.00 |
| Equity Capital Payback Period (HPI) | 0 yrs | 0 yrs |
Growth Assumptions & Forecasts
—
%
%
%
—
£0.00
0.0%
—
Downside Sensitivity Analysis (Stress Testing vs Current Property Stats)
Verify how your investment assumptions respond under downside scenarios compared directly against the current base-case property stats.
FINANCING
Mortgage Interest Rates +1%
Impact of refinance interest rates rising +1% on monthly cashflow compared to current base case.
Option 1 (55% LTV) Current Cashflow:
—
Option 1 Stressed Cashflow (+1% Rate):
—
Option 2 (70% LTV) Current Cashflow:
—
Option 2 Stressed Cashflow (+1% Rate):
—
CONSTRUCTION
Renovation Cost Overrun +10%
Impact on Net Capital Left in Deal if refurbishment works overrun target budget by +10%.
Current vs Stressed Works Budget:
—
Option 1 (55% LTV) Current Capital Left:
—
Option 1 Stressed Capital Left (+10% Works):
—
Option 2 (70% LTV) Current Capital Left:
—
Option 2 Stressed Capital Left (+10% Works):
—
VALUATION
Expected Value at Refinance -5%
Impact on Net Capital Left in Deal if surveyor valuation at refinance is 5% lower than expected.
Current vs Stressed Refi Value (-5%):
—
Option 1 (55% LTV) Current Capital Left:
—
Option 1 Stressed Capital Left (-5% Val):
—
Option 2 (70% LTV) Current Capital Left:
—
Option 2 Stressed Capital Left (-5% Val):
—
VALUATION
Expected Value at Refinance -10%
Impact on Net Capital Left in Deal if surveyor valuation at refinance is 10% lower than expected.
Current vs Stressed Refi Value (-10%):
—
Option 1 (55% LTV) Current Capital Left:
—
Option 1 Stressed Capital Left (-10% Val):
—
Option 2 (70% LTV) Current Capital Left:
—
Option 2 Stressed Capital Left (-10% Val):
—
Sourcing Comparables & Appraisal Notes
Comparable Sales Tracker
Record Comparable Market Sale
Investment Appraisal Memo Ready
All deal metrics, holding costs, refinance matrices, comparables, and stress tests have been compiled into a professional investment paper.
