BRRRR Calculator

Strategy

Calculate your Buy, Refurbish, Rent, Refinance, Repeat strategy. See exactly how much capital you can recycle and whether you can achieve infinite returns.

Buy

Below market value

Refurbish

Add value

Rent

Generate income

Refinance

Pull out capital

Repeat

Scale your portfolio

Phase 1: Buy & Refurbish

Country

Drives the auto-filled stamp duty: SDLT bands + 5% additional-property surcharge.

Purchase Price

Stamp Duty: £8,000

Refurbishment Cost

After Repair Value (ARV)

18.2% below ARV

Equity: £40,000

Initial Deposit (for bridging)

Typically 25% of purchase price

Bridging Finance

Short-term loan for purchase

Interest Rate (Annual)7.5%

Arrangement Fees

Bridge Term6 months

Phase 4: Refinance

Refinance LTV75%

Refinance amount: £165,000

BTL Mortgage Rate5.5%

Rates as of Apr 2026

Mortgage Term25 years

Phase 3: Rent

Monthly Rent (After Refurb)

Management10%

Maintenance Reserve5%

Insurance (Monthly)

Void Weeks/Year2 weeks

Money Left In

£34,019

Capital tied up

Cash-on-Cash

-2.91%

Annual return on capital

Monthly Cash Flow

-£82

After refinance

1% rule: 0.55%

Total Cash Required:£86,519

Refinance:£165,000

Equity Created:£40,000

Capital Flow

Cash Out (Purchase)

-£86,519

Cash In (Refinance)

+£165,000

Net Position

£34,019 still invested

Monthly Numbers (After Refinance)

Rental Income+£1,154

Mortgage Payment-£803

Management & Costs-£433

Monthly Cash Flow-£82

Annual Cash Flow-£990

Total Equity£55,000

BRRRR Tips

TIP

To achieve infinite returns, aim for a bigger discount on purchase or add more value through refurbishment to increase ARV.

CAUTION

Your purchase is only 18.2% below ARV. Aim for 25%+ to ensure refinance covers costs.

TIP

Always get 3 builder quotes and add 15-20% contingency to refurb budgets.

INFO

Most lenders require 6-month seasoning before refinancing to the new value.

Money Left In Deal

Money Left In = Total Cash Required - Refinance Amount

If Money Left In ≤ 0, you've achieved 'infinite returns' as you've pulled out all your capital while still owning an income-producing asset.

BRRRR Calculator

Phase 1: Buy & Refurbish

Bridging Finance

Phase 4: Refinance

Phase 3: Rent

Capital Flow

Monthly Numbers (After Refinance)

BRRRR Tips

Money Left In Deal

Frequently Asked Questions

What does BRRRR stand for?

What is 'Infinite Returns'?

What discount should I look for?

What's a bridging loan?

When should I refinance?

What are the risks of BRRRR?

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