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🔨 Strategies

BRRR Calculator (Buy, Refurbish, Rent, Refinance)

Model a buy, refurbish, rent, refinance deal. Enter the purchase, refurb and the after-refurb value, set the refinance LTV, and see the cash released, the money left in the deal after refinancing, and the post-refinance cashflow and return.

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£
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What it is worth once the work is done.

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New mortgage as a percent of the ARV. 75% is typical.

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›Costs, finance & letting (optional)
Purchase funded by

Bridging assumes 75% of purchase with a 2% arrangement fee.

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£
mo

Months from purchase to refinance.

Refinance type
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%
Money left in the deal£4,000Capital still tied up after the refinance.
Cash released£150,000
Refinance loan£150,000
Total project cost£154,000
Initial cash in£154,000
Monthly cashflow£130
Return on cash left39.00%On money left in the deal.

These figures are an estimate to help you compare deals, not financial or tax advice. Check the numbers with a qualified adviser before you commit.

Questions landlords ask

What does BRRR stand for?+

Buy, Refurbish, Rent, Refinance. You buy a property below its post-refurb value, do the works, let it, then refinance against the higher value to pull most of your cash back out. The recycled cash goes into the next deal, so the same money can buy several properties over time.

What is money left in the deal?+

It is the capital still tied up after you refinance - your initial cash in, less the cash released by the new mortgage. If the property revalues well and you refinance at 75%, you may pull most or all of your money back out. The lower the money left in, the higher the return on the cash that stays.

How much can I pull out when I refinance?+

The new mortgage is a percentage of the after-refurb value, usually up to 75%. From that you repay any bridging loan and pay the refinance fees; what is left is the cash released. If the new loan is larger than everything you put in, you have recycled all your capital - though lenders often want six months' ownership first.

Is BRRR still viable with higher interest rates?+

It is harder. Higher refinance rates squeeze the post-refinance cashflow, and lenders stress the rent against the new loan, so a deal that recycles all your cash can end up cashflow-negative. Model both the money left in and the monthly cashflow before committing, which this calculator does side by side.

Related tools

🏚️ Flip profitModel a flip: purchase, refurb, bridging finance and selling costs against the sale price, with the net profit, ROI and profit margin.🚪 HMOWork out the gross yield and monthly cashflow on an HMO room by room, after bills, voids and the mortgage, compared against a single let.

Track the whole portfolio, not just one deal

Padlord keeps every property's yield, cashflow, equity, SDLT and compliance dates current, and shows the personal vs limited-company tax picture side by side.

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