BRRR calculator
Buy, refurbish, refinance, rent: the strategy where the whole game is how much of your cash comes back out at refinance. This shows the three numbers that decide it.
The buy & refurb
The refinance & rent
Total money in
£125,000
Pulled back out at refinance
£120,000
Left in the deal
£5,000
Monthly cashflow after refinance
£88
Return on money left in
21.0%
ⓘ Simplified honest model: assumes a cash/bridging purchase refinanced onto an interest-only mortgage at your LTV. It ignores bridging interest, refinance fees and void months during the refurb, all real costs that make BRRR harder than spreadsheets suggest. The end value is the number that breaks people: use sold comps for the street, not optimism.
The honest version:BRRR lives or dies on the end value. Lenders refinance on the surveyor's valuation, not yours. If it comes in low, your money stays trapped in the deal. Use sold prices for the same street and property type, then knock 5 to 10% off for humility.
Stack the full deal (stamp duty, running costs, stress test) with the cash needed calculator and the yield checker. Education, not financial advice. Members share real BRRR numbers in the free Discord.