Better property decisions start with better evidence.
Practical education, honest analysis and the tools to help you make property decisions with confidence.
Brick & Balance
BRR Deal Check
Results
Project summary
Return indicators
Downside stress test
Illustrative refinance
Calculation assumptions
- Cash invested equals the deposit, refurbishment budget, and entered purchase/finance costs.
- Operating costs should include your allowance for management, insurance, maintenance, service charges, ground rent and voids where relevant.
- Net yield is annual rent less operating costs, divided by total project cost, before mortgage finance and tax.
- Refinance figures ignore valuation, legal, broker, arrangement, early-repayment and other refinance costs.
- All outputs are estimates based entirely on the figures entered.
See the numbers, not just the headline.
Illustrative 2-bed BRR using the same default assumptions as the live Deal Check.
1 Evidence
What the data must support
2 True cost
All-in, not just purchase price
- Purchase price
- £150,000
- Purchase & finance costs
- £5,250
- Refurbishment
- £40,000
- Total project cost
- £195,250
- Deposit at 75% LTV
- £37,500
- Cash invested
- £82,750
3 Return
Income and cashflow
- Monthly rent
- £950
- Operating costs
- −£250
- Mortgage
- −£563
- Monthly cashflow
- +£138
- Gross yield
- 7.6%
- Net yield before finance
- 4.3%
- Cash-on-cash return
- 2.0%
4 Downside
Stress-test the risk
5 Exit
How the capital might recycle
- Post-works value
- £220,000
- Refinance at 75% LTV
- £165,000
- Potential cash release
- £52,500
- Estimated cash remaining
- £30,250
- Capital potentially recycled
- 63.4%
Illustrative example only. Results depend on the figures entered and exclude tax and refinance costs. Verify all assumptions before making a decision.
“The numbers don’t make the decision for you. They make the assumptions and the risks visible.”
Use the tools yourself.
Due Diligence Toolkit
Spreadsheets, checklists and templates to analyse deals properly.
Preview toolkitProperty Viewing Checklist
A practical checklist so you don’t miss the important things.
Preview checklistInvestor Starter Roadmap
Step-by-step guidance from first steps to building momentum.
Preview roadmapBuilt from real-world decision making
Founder, Brick & Balance
Dieter Denham
Methodical. Evidence-based. Conservative. Scalable.
I created Brick & Balance after seeing how often property content focused on headline returns while leaving the assumptions, true costs and downside in the background.
Here, every tool is designed to make the working visible—so you can test the numbers, challenge the assumptions and make better-informed decisions.
Read the founder storyEducational content only. Not financial, tax, legal or investment advice.
