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BRRR Calculator UK
Buy, Refurb, Refinance, Rent — full strategy calculator with bridge finance.
Deal Inputs
Bridge Finance
BTL Mortgage (Refinance)
Management10%
BRRR Strategy Flow
1. BUY£150,000
Bridge Loan (75%)£112,500
Your Cash (deposit)£37,500
2. REFURB£30,000
Bridge Interest + Fees£9,000
Total Cash In£76,500
3. REFINANCE (ARV: £220,000)£165,000
Cash Back on Refi+£52,500
Cash Left in Deal£24,000
4. RENT£1,100/month
Gross Yield
6.0%
Net Yield
0.5%
ROCE
4%
Net Monthly
£84
What is BRRR?
Buy, Refurb, Refinance, Rent. You buy a property below market value, renovate it to increase its value, refinance at the higher value to pull your capital back out, then rent it for cash flow. If the numbers work, you can recycle the same capital into the next deal.
Bridge Finance
Short-term loan (6-12 months) at higher interest (10-15%) used for purchase + refurb. Once refurbed, you refinance onto a cheaper BTL mortgage. Bridge fees are typically 2% arrangement + monthly interest.