Property performance
BRRR & refinance calculator.
Buy, refurbish, refinance, repeat. See how much of your cash comes back out, what's left in, and the return on that remaining capital.
Buy & refurbish
£
SDLT, legal, survey, sourcing.
£
£
Refinance
£
%
Interest-only assumed.
% p.a.
Let
£
Management, voids, maintenance — % of rent.
%
Money left in
—
Cash pulled out
—
Monthly cashflow
—
Total cash in—
Refinance loan (75%)—
Annual cashflow—
Return on money left in—
The BRRR test is pulling most of your capital back out. When money left in hits zero, your return on remaining cash is effectively infinite — recycle it into the next deal.
How this is calculated
- Cash in = purchase + buying costs + refurb.
- Refinance loan = post-refurb value × LTV.
- Money left in = cash in − refinance loan.
- Cashflow = rent − running costs − mortgage interest.
- Return = annual cashflow ÷ money left in.
Recycle & repeat
Let PAM run every refinanced unit.
One record per property — compliance, rent and MTD across the whole portfolio.