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BRRR Calculator
Model your Buy, Refurbish, Rent, Refinance deal from start to finish. See how much capital you recycle, your cash flow, ROI, and whether you get all your money out.
BUY
REFURBISH
RENT
REFINANCE
Money Left In Deal
£5,000
97% of capital recycled
Monthly Cash Flow
£163
Equity Created
£50,000
ROI on Cash
39.0%
Gross Yield
6.60%
Deal Summary
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No voids. No management. No fees.
Lock in your exit yield before you refinance
Add a guaranteed rent agreement after your BRRR refurb and you'll have a fully managed, void-free property — exactly what lenders want to see at remortgage stage.
Frequently Asked Questions
What does BRRR stand for?
BRRR stands for Buy, Refurbish, Rent, Refinance. It is a property investment strategy where you purchase below market value, add value through refurbishment, rent the property out, then refinance against the higher value to recycle your original capital.
How much deposit do I need for a BRRR deal?
For the initial purchase, you typically need 25-30% if using bridging finance, or cash if buying at auction. For the refinance stage, most BTL lenders require 25% equity (75% LTV) in the property based on the new higher valuation.
What is the 6-month rule?
Most buy-to-let mortgage lenders require you to have owned the property for at least 6 months before they will refinance based on the new market value. Some specialist lenders offer day-one refinance products but these are less common.
Can I get all my money out with BRRR?
It is possible if the difference between your purchase price and the after-repair value (ARV) is large enough. If you buy at a sufficient discount and add enough value, the 75% LTV refinance can return 100% or more of your invested capital.
What are the risks of the BRRR strategy?
Key risks include refurbishment cost overruns, the surveyor valuing the property lower than expected (meaning you cannot refinance out all your capital), interest rate changes between purchase and refinance, void periods, and bridging finance costs if the project takes longer than planned.
Disclaimer: This calculator provides estimates for illustrative purposes only. Results are based on simplified assumptions and should not be relied upon for financial decisions. Actual costs, returns, and outcomes will vary. Always consult a qualified professional before making property or financial decisions.
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The BRRR Strategy Explained
BRRR (Buy, Refurbish, Rent, Refinance) is a property investment strategy that allows you to recycle your capital and scale a portfolio rapidly. The goal is to purchase below market value, add value through refurbishment, rent the property out, then refinance to pull your original capital back out — and repeat.
Key Metrics
Money Left In: The amount of your original investment that remains tied up after refinancing. Ideally this is zero or negative (meaning you got all your money back plus surplus).
Capital Recycling: The percentage of your total investment recovered through refinancing. 100% means you got all your money back. Over 100% means you made money on the refinance.
ROI on Cash Left In: Annual cash flow divided by the money left in the deal. If you have no money left in, your ROI is technically infinite — you're earning returns on a zero cash investment.