Property Portfolio Calculator UK 2026
Calculate the total value, equity and rental income of your UK property portfolio. Track mortgage balances, equity position and portfolio yield across all properties.
Property Portfolio Calculator — Up to 4 Properties
Frequently Asked Questions
How do I track a property portfolio in the UK?
The most effective way to track a UK property portfolio is to maintain a simple spreadsheet (or use portfolio management software) that records, for each property: current estimated market value, outstanding mortgage balance (equity = value minus balance), monthly rent received, monthly mortgage payment, annual running costs (insurance, maintenance, management fees, voids allowance) and net monthly cash flow. Review the portfolio quarterly and get formal valuations every 1–2 years. The calculator above provides an instant portfolio-level summary once you enter data for up to four properties.
What is a good yield for a property portfolio?
Gross yield for a portfolio should aim for 5–7% in most UK regions to provide a comfortable margin over mortgage costs and expenses. Net yield (after mortgage interest, voids, management fees and maintenance) of 3–4% is considered healthy. Portfolios in high-capital-growth areas (e.g. London, Edinburgh) may tolerate lower net yields of 1–2% if the capital appreciation compensates. Portfolio LTV below 60–65% provides greater resilience to rate rises and refinancing stress.
Should I incorporate my property portfolio?
Incorporating a portfolio into a limited company (Special Purpose Vehicle) can provide significant tax advantages for higher-rate taxpayers, primarily because: mortgage interest is fully deductible from company profits; corporation tax (25% for profits over £50,000) is lower than higher-rate income tax (40–45%); and profits can be retained in the company and extracted later at a lower tax rate. However, moving existing personally owned properties into a company triggers SDLT and potentially CGT. Incorporation is most beneficial for new acquisitions by higher-rate taxpayers with long-term holding intentions. Seek specialist tax advice.
How does portfolio LTV affect remortgaging?
Portfolio LTV (total mortgage debt ÷ total property value × 100) is a key metric many commercial lenders use when assessing portfolio landlord applications (under PRA rules for landlords with 4+ properties). Lenders typically require portfolio LTV below 65–75% and will review the entire portfolio's ICR (interest coverage ratio) alongside the individual property being mortgaged. A high portfolio LTV can restrict access to the best mortgage rates or even prevent remortgaging. Maintaining LTV below 60% significantly widens the lender panel and rate options available.
What is a good equity position in a property portfolio?
A strong equity position for a UK property portfolio is generally considered to be total equity representing 35–50% of total portfolio value (i.e. portfolio LTV of 50–65%). This provides: sufficient headroom to absorb property value falls of 10–20% without breaching LTV covenants; the ability to remortgage at competitive rates; and potential to release equity for further purchases without over-leveraging. Portfolios with equity above 50% of total value are considered low-risk and enjoy access to the widest range of portfolio mortgage products.