Question 1

How accurate is this BRRR calculator?

Accepted Answer

The calculator uses standard property finance formulas but relies on your input accuracy. Refinance valuations, rental income, and actual costs will vary. Always build in conservative assumptions and contingency.

Question 2

What's a good ROCE for a BRRR deal?

Accepted Answer

If you successfully recycle all capital (£0 or negative left in), any positive cash flow delivers infinite ROCE — that's the BRRR goal. If capital remains deployed, aim for 15%+ ROCE minimum to justify the complexity versus simpler buy-to-let strategies.

Question 3

Should I include stamp duty in my BRRR calculations?

Accepted Answer

Yes. All acquisition costs — stamp duty, legal fees, surveys, broker fees — are part of your total capital deployed. The calculator factors these into Money Left In and yield calculations to show true returns.

Question 4

What LTV should I use for refinance calculations?

Accepted Answer

Most investment property mortgages refinance at 75% LTV. Some specialist lenders offer 80% for strong deals. Use conservative assumptions — 75% or lower — for realistic projections.

Question 5

Can I use this calculator for HMO BRRR deals?

Accepted Answer

Yes, but HMO refinance valuations are assessed differently. Some lenders use commercial methodology based on rental income; others use comparable sales. These approaches can produce significantly different valuations.

Question 6

Does this calculator work for BRRR deals using bridging finance?

Accepted Answer

Yes. If you're using a bridging loan to fund the initial purchase and refurb, enter your total costs (bridge loan fees, interest roll-up, refurb) as your all-in acquisition cost. The calculator treats total capital invested the same way — what matters is your total outlay versus what the refinance returns.

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