BRR calculator (buy, refurbish, refinance)
How much of your capital comes back out on refinance, and how much stays trapped in the deal.
£14,600 stays trapped in the deal. Workable, but it slows how fast a buyer can go again.
Total cash inEST | −£164,600 |
Refurbished valueYOU | £200,000 |
Refinance at 75.0% LTVEST | £150,000 |
Loan the rent supportsEST 125% coverage at 5.50% stressed | £165,818 |
Money out on refinanceEST | £150,000 |
Money left in the dealEST Zero or less is the BRR goal — all your capital comes back out. | £14,600 |
Capital recycledEST | 91.1% |
Mortgage at 6% interest onlyASM | −£750 |
Monthly cash flow after mortgageEST | £-37 |
- Refinance at 75.0% loan to value of the refurbished valuation, or what the rent supports, whichever is lower.
- Assumes the lender accepts the new value — no six-month rule problem.
- Ignores bridging interest during the works. Add it manually if you are bridging.
- Mortgage modelled interest-only at 6%. Rates move — check a broker.
- Tested at 5.50% — the 5.5% minimum a lender must assume, because no product rate was given. A real product is stressed two points above its own rate.
- 125% coverage for a limited company (spv). Market convention — lenders differ.
- Interest only. A repayment mortgage needs more rent again.
- Gross rent, with no voids taken off. A lender uses the valuer's figure, not yours.
Bridging interest during the works is not modelled. If you are bridging, add it yourself — it is usually the difference between a good BRR and a bad one.
This is one sum out of a whole deal
Inside the app the same engines run against real HM Land Registry sold prices, rank your buyers against the deal, and tell you what to do next — with the workings attached to every figure, exactly as they are here.
The demo runs on invented deals and real postcodes. No account, nothing saved.
Questions
What does 'money left in' mean?
The capital still tied up after you refinance. Zero or less is the BRR goal: everything you put in comes back out and can buy the next one.
Is 75% LTV realistic?
It is the common UK buy-to-let ceiling, so it is the sensible default. Your broker will tell you what you can actually get, and the six-month rule may delay when you can get it.