Turn one property into three
Buy below market value, refurbish to add value, refinance to pull your capital back out — then do it all again. This is how portfolios are built.
The BRR strategy in numbers
The BRR cycle, step by step
Buy below market value
We source properties 15-25% below market value through off-market deals, auctions, and our network. The discount is where your profit starts.
Refurbish to add value
Strategic renovation — not grand designs. New kitchen, bathroom, cosmetic upgrades that maximise the valuation uplift for the least spend.
Refinance and pull capital out
Once refurbished and tenanted, we refinance onto a standard buy-to-let mortgage at the new, higher value. Most or all of your original capital comes back.
Repeat with recycled capital
Your capital is free again. Use it to buy the next property. Each cycle grows your portfolio without needing fresh money.
Is BRR the right strategy for you?
You want to build a portfolio faster without needing new capital each time
You have £150,000+ and want to maximise how far it stretches
You’re comfortable with a 6-12 month project timeline
You want both rental income AND capital growth
You’d rather we managed the refurbishment than do it yourself
What could go wrong
BRR is powerful but not without risk. Here's what to consider.
Refurbishment overruns
Costs can exceed estimates. We budget a 10-15% contingency on every project, but unexpected structural issues can push beyond this.
Low valuation
If the post-refurb valuation comes in lower than expected, you’ll recover less capital on refinance. We use conservative valuations in our projections.
Bridging finance costs
Delays mean more months of bridging loan interest (typically 0.5-1% per month). Every week of overrun eats into your return.
Refinance risk
Lending criteria can change. If rates rise or lenders tighten criteria between purchase and refinance, your terms may be less favourable.
Market downturn
If property values fall during your refurb period, your exit valuation drops. BRR works best in stable or rising markets.
Capital trapped
In a worst case, you may not recover all your capital on refinance. You’ll still own an income-producing asset, but your money is locked in.
What a real BRR deal looks like
Purchase & Refurb
Refinance
Ongoing Returns
This is an illustrative example only. Actual returns will vary based on property, location, and market conditions.
Ready to recycle your capital?
Book a free call and we'll walk you through a real BRR opportunity that matches your budget.
No commitment — just a clear conversation about your goals.
Important: Property investment carries risk. The value of your investment and any income from it can go down as well as up, and you may get back less than you invest. The figures, returns and projections on this page are estimates based on market data and are not guaranteed. Past performance is not a reliable indicator of future results. Nothing on this page constitutes financial, tax or legal advice. You should seek independent financial advice from a qualified professional before making any investment decision. PREPG3 is not authorised or regulated by the Financial Conduct Authority.