BRR calculator
Buy below value, add value with a refurb, then refinance onto a buy-to-let mortgage to pull your money back out. See how much cash you need, how much comes back and what stays in.
Results
- £199,488Project cost
- -£112,500Bridge
- £86,988Cash in
- -£52,500Refinance
- £34,488Left in
Total cash in
£86,988
Your own money in before the refinance.
Cash out at refinance
£52,500
Released to you once the new mortgage repays the bridge.
Money left in
£34,488
Cash still tied up in the property after refinancing.
Return on cash left in
8.7%
A year's cash flow as a share of the money left in.
Monthly cash flow
£249
£2,984 a year after running costs and mortgage interest.
Bridge cost
£7,988
Interest and fees paid to the bridging lender.
End value for all money out
£265,983
£45,983 more value than you've entered.
Interest cover at refinance
114%
How well the rent covers interest at the lender's stressed rate.
Stressed (+2 points) (7.5%)
114%
- 125% fail
- 145% fail
At your rate (5.5%)
156%
- 125% pass
- 145% pass
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