BoaTenure

Yield Calculator

BRRR Calculator

Buy, Refurbish, Refinance, Rent: see if your deal recycles capital

Add a postcode for a real local rent and ARV sanity-check:

Purchase & Refurb

Your acquisition costs

Where is the property?

Northern Ireland uses the same Stamp Duty as England.

Purchase Price

Refurb Cost

Legal Fees

Survey Fees

Broker Fees

Other Costs

SDLT (auto): £8,000

Ownership & Tax

Owned by

Your other annual income

£40,000

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Initial Finance

How you fund the purchase

Refinance (Exit onto BTL)

Your long-term mortgage after refurb

ARV (After Refurb Value)

Refi LTV %

Interest Rate %

Payment Type

Rental Income & Costs

Post-refinance ongoing figures

Bedrooms

Used for the rent/ARV lookups below, not the cash flow maths.

Property Type

Monthly Rent

Void Weeks/yr

Management %

Maintenance %

Insurance (£/mo)

14/100

Weak Rental: Review Numbers

Based on yield, ROCE, and cashflow: connect a Deal Analyser deal to compare directly

£28,500

Money left in deal after refinance

Deal Metrics

-£119

Monthly Cash Flow

-5.02%

ROCE

Total Cash In£186,000

Refi Amount£157,500

Annual Cash Flow-£1,430

Cash-on-Cash-0.77%

Gross Yield6.8%

Net Yield4.82%

Monthly Mortgage£722

PaybackNever

Annual Tax−£0

Income Tax (after Section 24 credit)

Scenario Comparison

What if ARV is ±15% and rent ±10%? (after tax)

Worst Case

£52,125

left in

-£2,372/yr

-4.55% ROCE

Base Case

£28,500

left in

-£1,430/yr

-5.02% ROCE

Best Case

£4,875

left in

-£489/yr

-10.02% ROCE

How BRRR Works

1. Buy: Purchase below market value (£150,000)

2. Refurb: Add value through renovation (£25,000)

3. Refinance: Mortgage at new value: £157,500 (75% of £210,000 ARV)

4. Rent: Cash flow -£119/mo with £28,500 trapped