Free calculator
Test the BRR case before the refinance story gets ahead of the evidence.
Use purchase price, works, end value, refinance terms, and rent to see how much cash comes back out and how much discipline stays in the deal afterward.
This is a fast planning tool for UK investors. Keep the end value and refinance assumptions conservative until the route is better evidenced.
All-in cost
Cash recycle check
Post-refi cashflow
Best for
Checking whether the refinance actually recycles enough cash to be worth the effort.
Comparing a clean BRR against one that only works on a stretched end value.
Seeing how much money stays trapped in the deal after the refinance fee is loaded in.
What disciplined readers do next
Tighten the end value case with proper sold evidence.
Separate genuine refurb from optimistic scope creep.
Test the post-refi income once the rent evidence gets stronger.
Inputs
Load the BRR stack honestly
The deal gets cleaner when the inputs stay conservative. If the BRR case only works on best-case value or best-case rent, the recommendation should soften too.
Outputs
See how much cash comes back and how much still stays in the deal
A good BRR outcome is not just about the refinance loan. It is about the quality of the cash recycle and the strength of the deal after it.
All-in cost
£136,000
Purchase, refurb, and buying costs combined before you get to the refinance.
Refinance loan
£135,000
The gross loan based on your selected end value and LTV.
Refinance fee
£2,700
The drag that often gets forgotten when people quote how much cash comes back out.
Cash back after fee
£132,300
The refinance release after the fee is stripped out.
Cash left in deal
£3,700
How much of your own money still remains tied up after the refinance.
Equity created
£44,000
Expected end value minus total cost into the deal.
Cash recycled
97.3%
How much of the all-in cost the refinance gives back to you after the fee.
Monthly cashflow after refi
£523
Rent less the interest-only refi payment and the other monthly costs you loaded in.
How to read this cleanly
If cash left in the deal still feels heavy, the BRR is less capital-efficient than it sounds.
If post-refi cashflow looks weak, the end value alone is not saving the quality of the deal.
If the recycle rate only feels good on a stretched end value, the case still needs tightening.
Best next step
Move from scenario to proof before you lean on the BRR story.
The calculator is there to sharpen the thesis. The next move is still to defend the rent, the works, and the end value with evidence strong enough to survive scrutiny.
Quick truth: BRR only becomes convincing when the refinance logic and the hold logic both stand up together.