BRR (buy, refurb, refinance) Calculator | Propreneur

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About this calculator

Model buy, refurbish, refinance, and rent. Test whether capital recycles and the hold phase cashflows after refinance.

Related tools

Did you know?

The 70% rule is a quick filter: pay no more than 70% of ARV minus refurb costs. Most BRR lenders want six months ownership before remortgage.

UK context

Buy, Refurbish, Refinance: bridge or cash purchase, refurb to lift the post-works valuation, then refinance against the new value to pull capital back out. Most lenders require 6 months ownership before remortgage.

Calculator

BRR (buy, refurb, refinance)

Capital recycle plus optional hold underwriting: refinance LTV, cash left in, stress tests, breakeven rent, and line-item refurb budget builder.

Inputs

Acquisition and refurb

Offer price (£)

Renovation cost (£)

After-repair value (£)

Legal fees (£)

Survey / valuation (£)

Bridging / finance costs (£)

Refurb contingency (%)

Additional-property SDLT (BTL surcharge)

Refinance assumptions

Refinance LTV (%)

Refinance rate (annual, %)

Hold after refurb (BTL cashflow)

Monthly rent after refurb (£)

Void allowance (weeks / year)

Management fee (£/month)

Management (% of rent)

Maintenance (£/month)

Maintenance (% of rent)

Insurance (£/month)

Utilities (£/month)

Council tax (£/month)

Hold projection (when rent is entered)

Hold period (years)

Rent growth (% / year)

Capital growth (% / year)

Projects net cashflow and property value uplift over the hold period (interest-only mortgage).

Run calculator

Runs against the live API. Nothing is stored. Use Sign up to save results.

Sensitivity scenarios

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Optional overrides - mortgage estimate for BTL / commercial

Monthly mortgage preview (£), BTL / commercial

Uses offer price, monthly rent, and monthly expenses (x12 as annual opex) from the form above.

Show working

See every formula, your numbers plugged in step by step, and where each cost comes from. No other UK property calculator shows its maths like this.

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