Acorn InvestPro

Name

First Name

Last Name

If you use an SPV, what’s it’s registered name?

Property Acquisition & Valuation

What’s the agreed purchase price of the property?

What’s your best estimate of the property’s current market value in its as-is condition?

Once fully refurbished, what do you estimate the property will be worth?

What type of property is this?

Where is the property located?

Postcode area, town, county etc.

Acquisition Costs

Based on the purchase price and your circumstances (e.g., first-time buyer, additional property), what’s the estimated SDLT payable?

You can calculate SDLT here – https://www.tax.service.gov.uk/calculate-stamp-duty-land-tax/#!/intro For Scotland click here – https://revenue.scot/calculate-tax/calculate-property-transactions

What are your estimated legal fees for purchasing the property?

What are the estimated fees for any initial valuations or surveys?

These are surveys for your benefit, we’ll ask about the lender’s valuation/survey later.

Are there any sourcing or broker fees associated with acquiring this deal?

Are there any other upfront costs we should factor in?

Refurbishment Details & Costs

Refurbishment Scope (Light/Medium/Heavy)

No Refurbishment

Light (cosmetic updates, kitchen/bathroom replacement)

Medium (non-structural/layout changes)

Heavy (Structural alterations/extension/conversion

Estimated Refurbishment Budget (£)

What’s your total estimated budget for all refurbishment works?

Planning costs

What do you expect the total cost for planning and compliance to be?

Cost contingency

We’d normally recommend a 10% – 20% contingency fund depending on the complexity and time of the project.

15% of the refurbishment budget is

Expected Refurbishment Duration (Months)

How many months do you anticipate the refurbishment will take?

Bridging Loan Details

Required Bridging Loan Amount (£)

How much do you need to borrow via a bridging loan?

Bridging Loan Interest Rate (% per month)

0.75

What’s the estimated monthly interest rate for your bridging loan?

Lender Arrangement Fee / (£)

Generally 2% of the loan deducted from the advance.

Lender Arrangement Fee / (%)

Enter a value or a percentage.

Lender Exit Fee / (£)

Will there be an exit fee when you repay the loan? (Often 0-1% of original loan or GDV).

Lender Exit Fee / (%)

Enter a value or a percentage.

Bridging Loan Term (Months)

What’s the anticipated term of the bridging loan (e.g., 6, 9, 12 months)? To allow for a sale or refinancec we’d recommend at least 3 months more than the refurbishment timescale.

Interest payment expectations

Retained interest (deducted from the advance)

Rolled-up (interest added to the loan and paid at the end)

Interest paid monthly

Valuation Fee (for Bridging Lender) (£)

What’s the fee for the lender’s valuation for the bridging loan?

Legal Fees (Lender’s) (£)

What are the estimated legal fees charged by the lender’s solicitors?

Holding Costs (During Refurbishment & Bridging Loan Term)

Council Tax (per month) (£)

What’s the estimated monthly council tax during the holding period?

Utilities (per month) (£):

What are the estimated monthly utility costs (e.g., electricity, water)?

Insurance (per month) (£)

What’s the estimated monthly property insurance cost?

Other Holding Costs (e.g., Security, Loan Monitoring Fees) (£)

Any other regular monthly costs during the project?

Exit Strategy & Costs

Exit Strategy

Sell

Refinance to BTL

How do you plan to repay the bridge? (Sell the property, or Refinance onto a Buy-to-Let mortgage?).

Estimated Selling Price (£)

What’s your target selling price for the refurbished property?

Selling Agent Fees (% of selling price)

What percentage will your selling agent charge?

Selling Agent Fees (flat fee – £)

What percentage (or flat fee) will your selling agent charge?

Legal Fees (Sale) (£)

What are the estimated legal fees for selling the property?

Capital Gains Tax (CGT) Consideration (Yes/No)

Yes

Are you aware that CGT may be payable on your profit? (We recommend seeking professional tax advice).

Estimated Refinance Value (£)

What do you estimate the property will be valued at for the BTL mortgage?

Target BTL LTV (%)

What Loan-to-Value (LTV) are you targeting for your Buy-to-Let mortgage?

BTL Mortgage Interest Rate (% per annum)

What’s the target annual interest rate for the BTL mortgage?

BTL Mortgage Product Fees (£)

What are the estimated product/arrangement fees for the BTL mortgage?

BTL Mortgage Legal Fees (£)

What are the estimated legal fees for the BTL refinance?

BTL Valuation Fee (£)

What’s the fee for the lender’s valuation for the BTL mortgage?

Estimated Monthly Rental Income (£)

What do you expect the property to rent for per month after refurbishment?

Estimated Monthly Rental Expenses (excluding mortgage) (£)

What are your estimated ongoing monthly expenses (e.g., letting agent fees, maintenance provision, insurance, ground rent/service charge)?

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