Calculator

Refurb-to-BTL ROI calculator

Buy. Refurb. Refinance. Repeat. Below: how much cash you leave in the deal, how much comes out on refinance, and what your annual yield looks like on what stays in.

Risk warning. Your property may be repossessed if you do not keep up repayments on your mortgage. We arrange non-regulated buy-to-let mortgages only and are not authorised by the FCA. Figures shown are illustrative and do not constitute regulated mortgage advice.

Purchase price

Refurb cost

Post-works value

Post-works monthly rent

Refinance LTV

Typical BTL refinance LTV is 70–75%.

Cash left in deal

£16,250

Refinance does not pull cash out

Refinance loan

£168,750

At 75% LTV

Cash-on-cash yield

96%

Yield on post-value

6.93%

Get a bridge-to-let or refurb-BTL quote

Refurb deals depend on bridge then term lender appetite. We package both ends.

Worked example

A non-regulated buy-to-let mortgage of £200,000 on a property valued at £300,000 over a 25-year term, on a 5-year fixed rate at 5.49% reverting to a variable rate, would have monthly interest-only payments of approximately £915. The capital balance remains outstanding at the end of the term and must be repaid by sale, refinance, or capital repayment from another source. Rates correct as of May 2026. Illustrative only; actual product, rate and fees vary by lender and case.

Lender panel and fees

We have access to a panel of 100+ specialist buy-to-let lenders, including high-street, specialist, and challenger banks. Initial consultation is fee-free. On completion, our arrangement fee is typically £995 to £2,995, depending on case complexity. We are also paid a procuration fee by the lender, typically 0.30% to 0.55% of the loan amount, which is disclosed before you commit.

Regulatory status

Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange non-regulated buy-to-let mortgages only. We do not arrange Consumer Buy-to-Let or other regulated mortgages — if your case falls into the regulated regime we will refer you to an FCA-authorised firm.