PortfolioIQ — Built for Owners

Your agents run the properties. PortfolioIQ keeps you in control.

This isn't management software for letting agents. It's the owner's side of the picture — for landlords whose properties are managed by agents. See exactly what each agent collected, what they charged, and what's actually yours, across every SPV.

Evaluate a Deal Enter Portfolio Portal

PortfolioIQ is completely free to use — sign up for free and run your whole portfolio. The demo opens a full example portfolio — companies, properties, HMO rooms, agent statements, alerts and tasks — with no sign-up.

Deal Calculator

Auction lot, private deal, BRRRR or HMO conversion — type the numbers in and see the stamp duty, money left in, rent cover and return instantly. The whole platform is free to use — no account needed for the calculator.

Start from the agent's details

Drop in the brochure, auction pack or a screenshot — or paste the listing text — and we fill in the figures we can find. You finish off the rest.

Drop a PDF or photo here

Purchase & development costs

Deal nameSomething you will recognise — e.g. “Auction Lot 4”.

Address linePostcodeWe look up the council area automatically.

Deal typeOne tenancy, one monthly rent.House or flat?A flat is normally leasehold, with a service charge and ground rent.Number of bedroomsSets the local rent guide for the whole property.Stamp duty rate (buyer / tax profile)Set separately from the deal type.Purchase price (£)Stamp duty (SDLT) (£)Worked out automatically from the price and the tax profile — type a figure here only to override it.

Local property comparison

Type a postcode above and the average sale price, market rent and LHA rent for that area appear here.

Average sale price for a house

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Average market rent for a 3-bed

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LHA rent for a 3-bed house

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Sale prices use HM Land Registry records. Market rent uses official ONS private rent statistics for the council area; the LHA figure is the official benefit rate. These figures never change your calculation.

Agent / sourcing fee (£)Legal fees — purchase (£)SDLT / tax advice fee (£)Construction / refurbishment (£)Planning fees (£)Utilities (£)Party wall fees (£)Structural engineer + building regs (£)Project management (£)Contingency / other (£)

Total purchase & construction cost£0

How are you buying it?

Straight onto a mortgage against the price you pay — no uplift, no money pulled back out.

Type of purchase

Cash you need (deposit + costs)£0

Mortgage

Mortgage LTV (%)Valuation fee (£)Mortgage legal fee (£)Arrangement fee (% of the loan)Usually 1–2%. Rolled up into the loan instead of paid in cash.Fixed for (years)Mortgage payments plus the fee over the fix: £0.

Mortgage loan (on purchase price)£0

Cost over the 5-year fix£0

Total cost to date£0

Total cash left in£0 — all capital recycled

Rent projections

One tenancy, one monthly rent.

Local Housing Allowance

Enter a postcode to see the local rates.

Shared accommodation—

1 bedroom—

2 bedroom—

3 bedroom—

4 bedroom—

LHA and Benefit Cap calculations are provided for investment modelling only. Actual benefit entitlement depends on the claimant's individual circumstances and the relevant DWP/local authority assessment.

LHA area (BRMA)Official rates from 1 April 2026. Enter a postcode above and we will pick this for you.Rent basisMonthly rent (£ pcm)£0 a year.

Gross rent (monthly)£0

Gross rent (annual)£0

Running income & expenses

Mortgage interest rate (%)Repayment typeMonthly mortgage payment (£)Calculated: £0 — leave blank to use it.Management fee (%)Agent VAT registered?Insurance (£ per year)Maintenance reserve (% of rent)Compliance reserve (£ per year)

Mortgage (annual)£0

Management fee (annual)£0

Maintenance reserve (annual)£0

Net profit (annual)£0

Verdict

Add your numbers

Enter the rooms and rent to see whether this stacks up.

Key numbers

Money left inNone — fully recycled

Net cash flow (monthly)£0

Net cash flow (annual)£0

ROCE / cash-on-cashInfinite — no cash left in

Yearly cash buffer (min £7,500)£0 — £7,500 short

Gross yield0.0%

Net yield0.0%

Rent cover (ICR)—

Prefer it on its own page? Open the full Deal Calculator. Figures are estimates only and not tax or financial advice.

Automated Statement Auditing

Upload the statements your managing agents send; see instantly what they collected, charged and actually paid over.

True Owner Cash Flow

Your real net income across every SPV after mortgages, agent fees and deductions — whether you self-manage or not.

Compliance & Expiry Radar

The deadlines that land on you as the owner — fixed-rate expiries, insurance renewals, certificates — flagged before they bite.

Questions, issues or ideas?

Report a problem or tell us what to improve — every message lands directly with our team. You can also email us any time.

Support & feedback info@portfolioiq.co.uk