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Acorn.finance

Acorn Refurb Desk · BRR Capital Recycling & Exit Sense-Check

BRR Calculator & BTL Refinance Exit Stress-Tester

Model your Buy, Refurbish, Refinance cash-out and stress-test your exit mortgage. Avoid the “Refinance Wall” by checking if your post-works rent can clear your bridging debt under current ICR rules.

Run Refinance Exit Sense-Check

BRR Cash-Out & Exit Stress Engine

A. Bridging & Works Costs

£250,000
£50,000£1,500,000
£60,000
£10,000£500,000
£22,000
£2,000£50,000

Total Refurb Debt to Clear at Month 6

£332,000

B. Refinance & Rental Reality

£425,000
£100,000£2,500,000
£2,200
£500£5,000

Max Loan by LTV Cap

£318,750

Max Loan by Rental ICR Stress Cap

£384,000

True Maximum BTL Exit Loan Available

£318,750

Refinance Shortfall / Cash Buffer Required

£13,250

Exit Shortfall Warning: Rent Bottleneck Detected

Your GDV allows £318,750, but rent only stress-tests to £384,000. Estimated shortfall: £13,250.

4 Ways Acorn Can Fix Your Exit Shortfall

  1. 1Pivot to 5-Year Fixed Rate: Lowers lender stress rate testing from 8.5% down to ~5.5%, increasing max loan capacity by up to 25%.
  2. 2Incorporate into Ltd Co SPV: Drops the ICR requirement from 145% down to 125%, unlocking higher borrowing power on the same rent.
  3. 3Yield Upgrade (HMO / MUFB Conversion): Converts single-let rent into multi-room income to more easily pass ICR stress tests.
  4. 4Development Exit Bridge Extension: Re-bridges the asset at standard rates to allow time for rental growth or partial unit sales.
Request Term Sheet

Get a Sense-Checked Refurbishment + BTL Exit Term Sheet

Don't get stuck on a bridge without a guaranteed exit. Our brokers underwrite both stages before drawdown.

Shortfall Assistance Required

Your data is held securely under UK GDPR and the Data Protection Act 2018. Submitting this form allows Acorn.finance (FCA #660207) to review your credit requirement. Initial assessments involve a soft search only, which will never affect your personal credit score. We will never sell your details to third-party marketers.

Important Valuation & Underwriting Notice

Acorn Finance is a specialist credit broker authorised and regulated by the FCA (#660207), not a chartered surveyor or tax accountant. Refinancing based on Post-Works Value (GDV) and Interest Coverage Ratios (ICR) depends on independent RICS valuation, rental market evidence, and lender stress rates at the time of application. Always verify exit viability with a specialist broker before committing to short-term bridging debt.

Knowledge & Next Steps

Build a stronger refurbishment strategy