Industry Insights

Do You Have Clients Looking to Grow Their Buy-To-Let Portfolio?

Together explains the BRRR method and how bridging, refurbishment and refinancing can help landlords grow buy-to-let portfolios.

The Buy, Refurbish, Remortgage, Refinance, Rent (BRRR) method is a popular Buy to Let investment strategy that many landlords use to build their portfolios.

The technique involves buying a property that’s in need of repair (typically using short-term bridging finance), renovating it to fix any issues and add value, refinancing onto a more cost-effective finance solution, and then renting the property out to generate income.

Who is the Buy, Refurbish, Refinance, Rent (BRRR) method for?

This method can be used by both first-time landlords, experienced portfolio landlords and Buy to Let Limited Companies. It can also be used for any type of tenancy, including HMOs, student lets, social housing, and holiday lets.

However, because the types of properties involved will require work, money and time to refurbish, it’s not an ideal solution for hands-off investors, those looking to make money on their purchase from day one, or individuals that aren’t able to effectively manage the project.

Here’s how it works:

  • Your client buys a property that they can add value to, usually priced below market value, using a bridging loan.
  • They refurbish the property to increase the value and make it more attractive to tenants; view our process for Refurbishment loan applications here.
  • Depending on whether the property is EPC-ready, share our handy EPC Hub with your landlord clients.
  • Your client then refinances on to a Buy to Let mortgage, using the new value of the property to take out enough money to cover the deposit, bridging loan, refurb costs and any additional fees (such as Stamp Duty).
  • Finally, they rent out the new and improved property to cover the monthly Buy to Let payments with the potential to generate a consistent income.

How we can help:

  • All security and property types considered in England, Scotland and Wales
  • First-time property investors, non-UK residents and foreign nationals welcome
  • Wide-ranging loan sizes available from £26k up to £5m (higher by referral)
  • Light refurbishment finance at hand

Have you seen our latest webinar: ‘Unlocking Buy to Let opportunities’? View here

Alternatively, find out more about Bridging with Together here

About Together

Together Money are property finance specialists with over 50 years of experience in helping people and businesses access the finance they need to realise their ambitions. With a practical and common-sense approach, they look beyond tick-box underwriting and empower experienced underwriters to assess the whole picture and deliver tailored, timely decisions.

Their products include personal mortgages, bridging loans, commercial and buy to let mortgages, auction finance, secured loans and development finance. Together support a wide range of clients including first time buyers, investors, landlords, the self-employed, and those with complex incomes or imperfect credit.

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