BRRR Strategy
BRRR Calculator
Buy, Refurb, Refinance, Rent. Model the full cycle and see your money left in, cash flow, and returns.
Property
£
£
£
Additional property (+3% SDLT)
Bridging Finance
%
%
months
%
Refinance Mortgage
%
%
yrs
Rental Income
£
%
£
wks
Fees
£
£
Verdict
Decent — Most Money Recycled
Cash on Cash
1.3%
Money Left In
£28,750
Monthly Cash Flow
£31
Positive
Gross Yield
5.6%
Net Yield
4.2%
Buy — Acquisition Costs
Purchase price£200,000
Stamp duty (SDLT)£6,000
Legal fees£2,500
Survey fees£500
Total acquisition£209,000
Refurb — Build Costs
Refurb cost£35,000
Finance — Bridging
Bridging loan£150,000
Interest£6,750
Arrangement fee£3,000
Total finance cost£9,750
Refinance
After repair value (ARV)£300,000
Total project cost£253,750
Refinance loan£225,000
Cash back at refinance£225,000
Money left in deal£28,750
Rent — Cash Flow
Gross monthly rent£1,400
Annual rent (after voids)£16,154
Mortgage payment−£1,031/mo
Management + running costs−£285/mo
Monthly cash flow£31/mo
Includes SDLT with additional property surcharge, bridging finance, and CGT at current rates
Pro Features
Stress test (rate +2%)
£142/mo
Tax efficiency
SPV saves £3.2K
Exit scenarios
3 modelled
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Estimate only — This calculator uses interest-only mortgage payments and simplified assumptions. Always verify with your broker, accountant, and solicitor. This is not financial advice.