BRRR Calculator UK
Buy, Refurbish, Refinance, Rent. See how much capital you recycle, how much money is left in the deal, your cash-on-cash return, and what happens if the refinance valuation comes in low.
Money left in the deal
Fully recycled 🎉
You pull back £187,500 on refinance, covering all of your £183,000 cash in.
Cash-on-cash return
∞
Gross yield on GDV
5.8%
Cashflow figures are before tax.
Refinance ICR: 1.40x — passes 125%
Most BTL lenders require rent to cover at least 125% of mortgage interest, often stress tested at a higher rate than your actual one.
That's £18,750 more capital stuck than your base case.
Not financial advice. For educational purposes only. Refurb costs, valuations and lender criteria vary. Verify figures with your broker, surveyor and accountant before committing to a deal.
How BRRR works
Buy
Buy below market value, often with cash or short-term bridging finance.
Refurbish
Add value through works that lift the property's market valuation.
Refinance
Remortgage against the higher value to pull your original capital back out.
Rent
Let to a tenant so the mortgage and costs are covered, leaving cashflow.
The number that matters: money left in the deal. It equals your total all-in cost minus the new mortgage. The lower it is, the more capital you free up for the next purchase.