Refurbish and Sell Calculator
Work out the profit on buying, refurbishing and reselling a property, including buying costs, finance during the works and selling fees.
💼 Are you a real estate agent or broker? Send this calculator to your buyers on your own branded listing page — every enquiry comes straight to your WhatsApp. Create free agent page →Flips fail on the costs between the two prices. Buying costs, finance during the works, holding costs while the property sits, and selling fees together commonly consume more than the refurbishment itself, and none of them appear in the difference between purchase and sale price.
Time is the other killer. Every month of overrun is another month of interest on the whole facility, which is why realistic programmes matter more than optimistic budgets.
The calculation
Total cost = purchase price + buying costs + refurbishment + finance across the whole period + selling costs. Profit is the sale price less that total. Finance is charged on the amount borrowed for every month held, whether or not work is happening.
Worked example
Buying at 220,000 with 5% costs (11,000), spending 45,000 on works, borrowing 200,000 at 0.9% a month for eight months (14,400) and selling at 340,000 with 3% costs (10,200) gives a total cost of 300,600. The profit is 39,400 — an 11.6% margin on the sale price.
Test the overrun and the down-valuation together
Two extra months of finance costs 3,600 here, and selling 5% below expectation costs 17,000 plus reduced fees. Run both at once: a flip that only works on the optimistic case is not a viable deal, because both usually happen together.
Turn a calculation into an enquiry
Buyers who run these numbers are ready to talk. Give every listing its own page with your photo, phone and WhatsApp on it — leads land straight on your phone.
Create your free property pageFrequently asked questions
What margin should a flip target?
Enough to survive an overrun and a soft sale — many developers want 15 to 20 percent of the sale price. A thin margin leaves nothing for the two things that reliably go wrong, which is how flips turn into losses.
What is most often underestimated?
The time. Finance accrues for every month held, including the marketing and legal period after the work is finished, which is frequently two or three months on its own and rarely appears in the original plan.
Should I include my own labour?
Value it if you would otherwise be earning. Free labour makes a marginal deal look profitable while hiding the fact that the project pays you less per hour than your normal work.