BRRR Funding

Market-Leading Rates & Terms

Loans from £100,000 to £30 million

Terms from 1-24 months

Up to 85% Loan to Value

No income proof required

Adverse credit considered

Desktop valuations available

Very fast and efficient service

Frequently Asked Questions

How does the BRRR strategy work?

The BRRR strategy consists of four phases:

Buy: buying a below-market value property or a discounted property that requires work. Purchasing at the right price is crucial for this strategy to work.

Refurbish: carrying out the relevant renovations to add value to the property - either significant refurbishment or minor improvements to add value.

Refinance: once the property is refurbished and the value has increased, the property is re-valued based on the improvements carried out and you can refinance the deal to recycle the cash initially invested. This can be used to invest in the next property.

Rent: the refinanced property can then be rented out to provide regular monthly income.

What deposit is required with BRRR Finance?

A deposit of 25% of the loan amount is typically required from most lenders. This can come from your own cash sources or a private investor. Some lenders will also offer 100% of the loan if additional security can be provided. There would need to be enough equity in the property used as security for the lender to be comfortable with providing 100% of the loan.

What is the lending criteria for BRRR Finance?

BRRR finance is typically available for all types investors, including first-time investors and those with low-income.

Every lender has their own criteria, but lenders will generally require a strong exit strategy and security for the loan in the form of property. Loans can be secured on the value of one property or several combined properties.

What type of properties can be purchased with BRRR Finance?

BRRR finance can be used to fund all types of property, from residential, commercial and mixed-use properties. BRRR is commonly used to purchase below-market value properties, including those at auction.

Why Merryoaks?

The Merryoaks Property Finance team have a long and successful background in finding and providing creative financial solutions for property investors and developers throughout the UK. Our aim is to help you fund your next investment or development project and be part of your on-going growth to bigger and better deals.

Years of Property Experience

231

Total secured funds
since 2020

1529

Properties funded in the past 18 months

How we help you

Time Saving Consultation

We know you need your funds exactly when you need them and as such, we appreciate how important it is to have a personal and dedicated point of contact providing one-to-one support. By understanding its importance, each client has a dedicated person to be the point of contact throughout the solution-finding process.

By assigning a dedicated person to your case, we will better understand you and your situation, allowing our relationship to develop thus supporting you in resolving your situation, discreetly, efficiently and effectively.

Thorough Analysis

We understand how stressful some situations can be and how important it is to say “yes, we can help”. That is why we do not adopt a tick-box mentality. With our background as investors, developers, estate agents and lenders, we Instead consider all options carefully with your best interests at heart. It is essential we understand your difficulties as well as your aspirations. This allows us to provide tailored and individual advice. Due to our extensive and broad background we are able to carry out appraisals, create investment memos, court investors and funders on your behalf to bring you the best finance solution.

In some complex cases, our professional industry contacts will aid us in solving the problem. Rest assured that there is a solution out there to help you and the situation you are in. We are here to help you find it and work through it.

Efficient Application Process

To ensure minimal friction and the best results, we make sure the application is as thorough as can be to minimise back-and-forth between you and the lender.

Between the team, we have vast experience in this area and we will guide you through this process whilst you focus on maximising your business growth, increasing your returns and making the most of your most valuable commodity, time.

Highly Experienced, Relationship Driven, Solution Focused.

Fast & Flexible
BRRR Finance