EAS Finance  |  Bridge-to-Let Analyser

Professional deal analysis for bridge finance & buy-to-let refinance

Assumptions: Bridge interest is retained and repaid at redemption (not a Day-1 cash cost); BTL arrangement fee and legal are due at refinance completion, not Day 1. Refinance is interest-only; Rental growth fixed at 3% p.a. for projections; ICR stress tested at 5.5% with a 1.25x cover requirement; Lender criteria vary. This tool is for illustration only — not financial advice.
✅
Deal looks viable
Rental income covers mortgage payments. Positive day-1 equity. Review detailed outputs.
Total Capital Required
£0
Cash needed day 1
Day-1 Equity (GDV)
£0
0% of GDV
Monthly Net Cashflow
£0
After BTL mortgage
Gross Yield
0.0%
Based on GDV
Net Yield
0.0%
Rent minus running costs, pre-finance
Cash-on-Cash Return
0.0%
Annual / capital in
ICR (Stress 5.5%)
0.0x
Min. 1.25x required
BTL Refinance Amount
£0
0% LTV of GDV

Borrowing Power — Bridge vs BTL Refinance

Project Cost Breakdown

🔬 Lender Stress Tests & Deal Health

Interest Cover Ratio
—
Net rent ÷ mortgage at 5.5% stress. Min 1.25x
BTL LTV
—
Max 75% typical high-st lender
Bridge LTV
—
Max 75% of purchase / 70% GDV
Monthly Cashflow
—
Rent minus BTL interest & costs
Equity Created
—
GDV minus BTL mortgage balance
Capital Recaptured
—
Refi proceeds vs total spend
🏠 Property Details
£
£
Estimated value after refurbishment
£
£
Including 3% surcharge if applicable
£
£
£
🌉 Bridge Finance
£
%/m
Typically 3–18 months
%
%
🏦 BTL Refinance (Exit from Bridge)
%
%
£
£
💷 Rental Income & Running Costs
£
%
%
% of monthly rent
£
£
%
% of rent lost to vacancies

💰 Full Cost Stack & Capital Required

Acquisition Costs
Purchase Price£0
Stamp Duty (SDLT)£0
Legal Fees£0
Survey / Valuation£0
Other Costs£0
Refurbishment
Refurb / Renovation£0
Bridge Arrangement (Day-1)
Bridge Arrangement Fee£0
DAY-1 COMPLETION COST£0
Bridge Loan Provided£0
NET CASH REQUIRED (DAY 1)£0
Deferred — Repaid at Redemption / Refinance (not Day-1 cash)
Bridge Rolled Interest£0
Bridge Exit Fee£0
BTL Arrangement Fee£0
BTL Legal Fees£0
TOTAL PROJECT COST (all-in)£0

🏦 Refinance & Equity Position

Gross Development Value (GDV)£0
BTL Loan (LTV × GDV)£0
Bridge Loan Repaid (incl. interest & fees)£0
BTL Arrangement Fee & Legal£0
Net Refinance Proceeds£0
Equity in Property Post-Refi£0
Capital Left In (after refi)£0

📅 Monthly Rental P&L (Post-Refinance)

Income
Gross Monthly Rent£0
Less: Void Allowance£0
Net Effective Rent£0
Costs
BTL Monthly Interest£0
Management Fee£0
Maintenance (monthly equiv.)£0
Insurance (monthly equiv.)£0
NET MONTHLY CASHFLOW£0
NET ANNUAL CASHFLOW£0

📈 Projected Cashflow Chart (5 Years Post-Refi)

PeriodPhaseGross RentBridge Int.BTL Int.Running CostsNet CashflowCumulative