BRRR Calculator
Model the Buy, Refurbish, Refinance, Rent strategy end to end.
Introduction
Who this is for: Investors planning to add value through refurbishment, then refinance to recycle their capital.
Why it matters: The strategy only works if the post-refurbishment valuation supports a refinance that returns most or all of the cash invested — this calculator makes that dependency explicit rather than assumed.
Typical scenario: An investor buys a dated terraced house at £140,000, spends £25,000 on refurbishment, and expects a post-works value of £210,000 to refinance at 75% LTV.
- Assuming the post-works valuation without evidence from comparable sales.
- Underestimating refurbishment cost and timeline, which compounds finance cost.
- Ignoring that refinancing is never guaranteed at the assumed LTV.
Inputs
Purchase
Works
Finance
months
Exit
Analysis
This scenario recovers approximately 88% of capital invested through the refinance, leaving £21,425 permanently in the deal.
On the capital left in, this produces a true ROI of approximately 12.8% per year.
This analysis provides context, not financial advice. Consult a qualified adviser before making investment decisions.
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Sensitivity
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Glossary
- BRRR
- Buy, Refurbish, Refinance, Rent — a strategy to recycle capital by adding value through works, then refinancing against the uplifted valuation.
- GDV
- Gross Development Value — the expected value of the property once works are complete.
- LTV
- Loan-to-Value — the mortgage amount as a percentage of the property’s value.
Frequently Asked Questions
How soon can I refinance after buying?
Most mainstream lenders require six months of ownership before refinancing at the new valuation. Some specialist lenders offer "day one" remortgages at the improved value.
What if the refinance valuation comes in lower than expected?
This is the single largest risk in a BRRR strategy — build a valuation buffer into your assumptions and have a contingency plan for cash left in the deal.
Live Results
Cash Left In Deal
£21,425
Cash Recovered
88.03%
New Mortgage Amount
£157,500
Monthly Income (post-refinance)
£228
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