Deal calculator
Flip and BRRR analysis for any UK residential property. Results update as you type.
GDV for a flip; refinance valuation for BRRR.
After works. Needed for BRRR.
Replaces the calculated refurb total.
Purchase & SDLT
Picks the SDLT rates. Blank = today.
Auction lots are analysed at guide + this...
...or this share of the current-value estimate, if higher.
Refurb
Bridging finance
Flip
Used for the max offer.
BRRR: refinance
Used for the max offer.
BRRR: running costs & stress test
125% company/basic rate, 145% higher rate.
Ranking & alerts
Your saved search minimum also applies.
- Profit on GDV of 14.1% is thin: below 15.0%, above 10.0%.
- Profit of £50,920.
Full breakdown
| Purchase price | £200,000 |
| SDLT (standard) | £11,500 |
| Legal, survey, broker, other | £2,900 |
| Refurb (medium) | £73,150 |
| Area works | £52,000 |
| Kitchen | £9,000 |
| Bathroom | £5,500 |
| Contingency | £6,650 |
| Holding costs | £2,100 |
| Bridging (7 mo, retained) | £12,530 |
| Gross loan | £140,000 |
| Arrangement fee | £2,800 |
| Interest | £8,330 |
| Exit fee | £1,400 |
| Net advance received | £128,870 |
| Selling costs | £6,900 |
| Total cost | £309,080 |
| GDV | £360,000 |
| Profit | £50,920 |
Highest price (to the nearest £100 below) that still achieves 20.0% profit on GDV.
- Fails the lender stress test: interest cover 110% vs 125% required, so the refinance loan would likely be cut.
- At this rent a lender would likely cap the loan at about £243,200.
Full breakdown
| Purchase price | £200,000 |
| SDLT (standard) | £11,500 |
| Legal, survey, broker, other | £2,900 |
| Refurb (medium) | £73,150 |
| Area works | £52,000 |
| Kitchen | £9,000 |
| Bathroom | £5,500 |
| Contingency | £6,650 |
| Holding costs (works) | £900 |
| Bridging (6 mo, retained) | £11,340 |
| Gross loan | £140,000 |
| Arrangement fee | £2,800 |
| Interest | £7,140 |
| Exit fee | £1,400 |
| Net advance received | £130,060 |
| Cash in before refinance | £158,390 |
| Refinance valuation | £360,000 |
| Base loan | £270,000 |
| Product fee | £5,400 |
| Mortgage balance | £275,400 |
| Legal + valuation | £1,200 |
| Bridge redemption | £141,400 |
| Cash pulled out | £127,400 |
| Money left in | £30,990 |
| Rent | £1,900 |
| Voids | −£76 |
| Letting & management | −£218.88 |
| Maintenance | −£95 |
| Insurance | −£35 |
| Ground rent & service charge | −£0 |
| Other | −£25 |
| Mortgage | −£1,262.25 |
| Monthly cashflow | £187.87 |
| Stressed rate | 7.5% |
| Stressed monthly interest | £1,721.25 |
| Interest cover | 110% vs 125% |
| Max loan rent supports | £243,200 |
Highest price (to the nearest £100 below) that leaves £0 or less left in the deal.
SDLT table england-2025-04-01 (completion 2026-11-03). Estimates only. This is not financial, tax or valuation advice. Figures are before tax. Do your own due diligence and get a survey and professional advice before buying.