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-CheckBRR 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
- 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%.
- 2Incorporate into Ltd Co SPV: Drops the ICR requirement from 145% down to 125%, unlocking higher borrowing power on the same rent.
- 3Yield Upgrade (HMO / MUFB Conversion): Converts single-let rent into multi-room income to more easily pass ICR stress tests.
- 4Development Exit Bridge Extension: Re-bridges the asset at standard rates to allow time for rental growth or partial unit sales.
Request Term Sheet
Soft search only — never affects your credit score.
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.
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