BRRR calculator

Buy, refurbish, refinance, rent. The question is always the same one: how much of your money is still stuck in it afterwards, and what that money earns.

Stamp duty, legals, survey, broker. Blank assumes 5% of the price and says so.

Per cent. The rate you actually expect to pay.

Management, insurance, a maintenance float.

What "all money out" really means

It means the refinance loan is at least what you put in — purchase, refurbishment and buying costs. It does not mean the deal is free money: you still owe the loan, and the lender will value the property themselves, stress-test the rent, and may not agree with your figure.

Two things this cannot know: whether a lender will lend at that value, and whether the refurbishment budget is real. The first is theirs. The second is ours.

An estimate and decision-support. Not financial advice, not a lending decision, and not a valuation. Reley Fast Software Ltd is not authorised or regulated by the Financial Conduct Authority.

RFPG — Reley Fast Property Guru, a product of Reley Fast Software Ltd, company number 16002149, registered in England and Wales.

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