Know your property wealth.
Track the debt behind it.
See your real net worth across every property — value, equity, debt, refinance risk and tax structure. The honest portfolio picture most UK landlords don't actually have.
Not landlord management. Portfolio intelligence.
Built for UK landlords and property investors who want to understand the value, debt, equity and risk behind their portfolio — not collect rent.
Your real position. Not last year's estimate.
UK property wealth is under more scrutiny than ever. With inheritance tax rules tightening, income tax rates rising in April 2027, and lenders asking sharper questions, knowing your real net worth matters — not just your gross portfolio value.
Live portfolio value, refreshed automatically against ONS HPI.
Net equity after every mortgage, charge and known liability.
Net cash after CGT, fees and ERCs if you sold today.
Year-on-year movement, properly attributed across the portfolio.
Three numbers your accountant will ask for. One place that already knows them.
Your whole portfolio in one view.
See portfolio value, net equity, rental income, monthly cashflow, debt exposure and performance trends — without opening a spreadsheet.
- Portfolio value and net equity tracking
- Monthly rent and live cashflow
- Portfolio Pulse health score
- Refinance opportunities surfaced automatically
- UK-focused landlord metrics throughout
Spot refinance opportunities before they cost you.
Portfio highlights mortgages that need action, shows potential annual savings, and estimates how much equity could be released at target LTV.
- Fix-end date tracking on every property
- "Act now" and "Review soon" alerts
- Annual saving estimates against market rates
- Equity release potential at 75% LTV cap
- Debt and LTV breakdown by property
Compare personal, PPR and limited company structures.
Model how ownership structure affects retained income, tax exposure, Section 24 impact and estimated capital gains tax. Built around UK 2025/26 HMRC rates.
- Personal vs Ltd company side-by-side
- Section 24 impact properly modelled
- Basic, higher and additional-rate scenarios
- Estimated CGT per property
- Net retained income view
Indicative modelling only. Portfio does not provide tax, legal or financial advice.
Don't rely on one valuation number.
Portfio compares multiple valuation signals to create a more useful consensus view — with confidence bands and full valuation history.
- Land Registry sold price + ONS HPI uprating
- EPC and floor-area comparable model
- Market trend estimate per property
- Manual estimate tracking
- Confidence range and valuation history
Know what you'd actually walk away with.
Model sale price, estate agent fees, legal costs, mortgage repayment, ERCs, CGT — and net cash after sale. For one property or your whole portfolio.
- Whole-portfolio or single-property sale modelling
- Estate agent and legal fee assumptions
- Early Repayment Charge (ERC) calculations
- CGT estimate using actual purchase prices
- Personal vs Ltd company comparison
Designed around UK property realities.
Mortgages, LTV, refinance dates, Section 24, CGT estimates, sale proceeds and ownership structure. Not a US app rebadged for the UK.
EU-hosted infrastructure
Data stored on Supabase in EU data centres with full UK GDPR compliance.
End-to-end encryption
HTTPS in transit, database-level encryption at rest. Row-level security on every query.
You own your data
Delete your account and everything goes within 30 days. CSV export anytime.
No marketing tracking
We don't sell, share or use your property data for advertising. Ever.
Portfolio value isn't net worth.
Most UK landlords know what their portfolio is "worth". Far fewer know what they'd actually walk away with — after debt, after tax, after the cost of selling. The gap is bigger than it looks.
Property makes up 40% of UK household wealth — and for portfolio landlords it can be 70%+ of the personal balance sheet. With Section 24, higher mortgage rates and growing CGT exposure, the gap between gross portfolio value and real net worth has rarely been wider.
ONS Wealth & Assets Survey
ONS, 2026
ONS, 2026
Portfio shows both numbers. Portfolio value, and net worth. Side by side. So you actually know where you stand.
Ready to see your portfolio properly?
Download Portfio on iOS or Android. From £1.99/month.