BRRRR — Buy, Rehab, Rent, Refinance, Repeat — is a high-velocity UK property strategy: buy below market value, refurb to add equity, refinance at the new (higher) After Repair Value to pull most of your original capital back out, then repeat. This calculator models the full cycle: purchase SDLT at additional-property rates, rehab capex, post-rehab rental cash flow with Section 24 applied, and a 75% LTV refinance at ARV showing exactly how much cash gets recycled and how much is left in the deal.
BRRRR Calculator
Buy, Rehab, Rent, Refinance, Repeat — under UK rules. Captures additional-property SDLT on entry, ARV-based 75% LTV refi, post-refi Section 24, and the cash-left-in-deal that drives infinite-return strategies.
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BRRRR headlines
All-in cost
£76,400
Cash out from refi
£50,000
Cash left in deal
£26,400
Equity created
£35,000
Monthly CF before refi
£264
Monthly CF after refi
£108
Cash-on-cash (post-refi)
4.9%
Infinite return if no cash remains in the deal.
Equity build & cash flow over hold
Capital recycled vs left in deal
The whole point of BRRRR — how much of your initial cash is freed up by the refi.
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Related guides
Plain-English explainers for the rules behind this calculator.
Frequently asked questions
Answers to the questions UK property investors most often have about this tool and the underlying rules.
- What is the BRRRR strategy in the UK?
- BRRRR is a five-step property strategy: (1) Buy a property below market value, often distressed; (2) Rehab to add value; (3) Rent it out; (4) Refinance based on the new After Repair Value to pull most of your original capital back out; (5) Repeat the process with the recycled cash. The aim is to build a portfolio with limited starting capital.
- What LTV can I refinance at after a BRRRR?
- 75% of the After Repair Value (ARV) is the typical UK BTL refinance LTV. Some specialist lenders go to 80% on strong deals. The 6-month rule (must own for 6 months before refinancing on the higher valuation) was relaxed by many lenders post-2022 — confirm with your broker.
- How much capital can I recycle?
- Cash out = 75% × ARV − initial mortgage − refi costs. If you buy at £140k with a 70% mortgage (£98k loan, £42k deposit), spend £25k on rehab, and refinance at an ARV of £200k (so new loan £150k), you get £52k of cash out (£150k − £98k). Combined with the original £42k + £25k = £67k in, you have £15k left in the deal.
- Does Section 24 affect BRRRR returns?
- Yes. The refinanced mortgage carries interest at the higher 75% LTV, which Section 24 disallows from the rental P&L. For a higher-rate landlord, this can wipe out most of the cash flow on the post-refi hold. Many BRRRR investors operate via limited companies (SPVs) specifically to escape Section 24.