Buy it, refurbish it, refinance it, and know what it actually cost

Where the money quietly goes

• The builder's price changes twice and the appraisal never gets updated.
• Variations get agreed on site and remembered differently later.
• Nobody can say what has actually been spent until the invoices land.
• The refinance figure is a hope rather than a calculation.

The BRR route through BRICKS

1. 1Opportunity. The property goes on the pipeline with the source and the asking price.
2. 2Appraisal. Purchase, works, finance and end value modelled together, with a stress test on the rate.
3. 3Purchase. Offer, legals and completion as stages with their own checklists.
4. 4Scope of works. A walkthrough survey turned into a priced schedule you can tender.
5. 5Budget. Committed, spent and remaining against the original appraisal.
6. 6Contractors. Quotes, trades and the running order for the job.
7. 7Progress. Works tracked against the programme rather than against memory.
8. 8Refinance. The cost history and works record ready for the valuation.
9. 9Portfolio. The property joins the wall with its compliance dates.

One appraisal that stays alive

Most appraisals are done once, in a spreadsheet, and never opened again. In BRICKS the appraisal sits on the deal, so when the works price moves you can see immediately what it does to the money left in.

The refinance pack builds itself as you go

Before and after, scope, spend and dates are already recorded because you used them to run the job. When the valuer or broker asks, you are not rebuilding history from a bank statement.

Common questions

Where to go next