With more than one property, it gets hard to see how the whole portfolio is doing: what it is worth, how much equity you have and what it earns each month.
This tracker keeps every property in one place with its value, mortgage, equity, net yield and monthly cashflow before tax, plus totals for the portfolio.
| Property 1 | Value £180,000, mortgage £120,000, equity £60,000 |
|---|---|
| Property 2 | Value £240,000, mortgage £170,000, equity £70,000 |
| Portfolio | Value £420,000, equity £130,000 |
| Loan-to-value | £290,000 ÷ £420,000 = 69% |
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The current value minus the mortgage still owed. Across a portfolio, add up all values and all mortgages.
Total mortgages divided by total property value. Lenders often look at it when you have four or more mortgaged buy to lets.
No. It is a one-off price, however many properties you add.
Education, not advice. Rules change and depend on your circumstances. Check GOV.UK and speak to a qualified adviser before you act.