BRR calculator.
The whole buy-refurbish-refinance play in one place — bridging, works, the 75% refinance — and the number that matters: how much of your cash comes back out.
Shape a BRR dealWhat it models
- Bridging at the lower of 90% of price and 75% of value
- Refurb cost, timeline and a 3-tranche drawdown facility
- The 75% refinance against the post-works value
- Cash in vs cash out — pulled out, left in, or all out + surplus
- Lender ICR stress test on the end mortgage
- Single properties or whole portfolios
A worked example
Illustrative, bridging at 0.9%/month rolled. Read BRR explained for the full logic.
BRR questions, answered
What is the BRR strategy?
Buy, Refurbish, Refinance: buy a property below its potential (often with bridging), add value through refurbishment, then refinance onto a term mortgage at around 75% of the new, higher value — pulling most or all of your cash back out while keeping the property and its rent.
How much cash do I get back out with BRR?
Your refinance is typically 75% of the end value. After clearing the bridging loan (including rolled-up interest and fees), what remains is your cash out. If 75% of the end value exceeds everything you put in, you've pulled all your cash out and hold the property for free.
Why use bridging rather than a mortgage to buy?
Bridging completes quickly, lends on unmortgageable or tired properties, and can fund the refurbishment in staged drawdowns. You pay for that speed and flexibility, so the exit — the refinance — needs to be modelled before you buy.