UK landlords · Portfolio as a business
Property HQ
A virtual team for your buy-to-let portfolio - documents, banking, compliance, and AI assistants in one place.
Inside the workspace
One place for properties, money, mail, and deadlines - the way you'd run a real portfolio business.
The Landlord Conundrum
Most landlords aren't short of tools - they're short of time and a single place to see the business. Spreadsheets, email threads, lender deadlines, and tax years don't line up with how you actually run a portfolio. Sound familiar?
Inbox overload
Endless emails and small actions that eat the week. How much easier would it be if a PA could field the routine questions for you?
Foggy portfolio performance
Without a clear view of the numbers, it’s hard to see where money leaks and what the picture really looks like when everything is added up.
Compliance anxiety
Certificates, licensing, deposits, and dates to track across every property - one missed renewal can mean fines or voided insurance.
Document chaos
Leases, scans of paper copies, certificates, and correspondence scattered across drives, email, and folders you can never quite find.
Chasing & repeating
Solicitors, estate agents, letting agents, mortgage brokers - answering the same questions and sending the same documents over and over.
Things slipping through
Renewals, deadlines, and tasks you meant to do on time - forgotten until they’re urgent.
Bookkeeping & tax
Keeping books tidy, creating accounts, and filing tax reports when you’d rather be doing anything else.
Maintenance headaches
Issues that need sorting, contractors to arrange and chase - and no single view of what’s open, quoted, or done.
Property HQ is built so you can run a UK portfolio like a business - with one workspace instead of a dozen half-connected habits.
Introducing PropertyHQ
PropertyHQ is your landlord operating system: properties, documents, banking signals, compliance dates, and AI teammates in one UK-focused workspace. Whether you're building a portfolio from a single flat or operating at serious scale, the same principles apply - you need visibility, fewer dropped balls, and less time lost to admin. We designed PropertyHQ for landlords from one property to a hundred - so you can connect what you use, see the picture clearly, and delegate the heavy lifting to specialists that understand your data.
You connect to Property HQ alongside Gmail or Outlook and Open Banking. Specialist AI agents include PA, accountant, CFO, mortgage officer, and compliance officer. Hover or tap a role for more detail.
Free - no signup required
Try a calculator first
Quick UK buy-to-let tools for mortgage cover, yield, tax and cashflow scenarios - the same numbers landlords and lenders look at.
BTL mortgage calculator
Estimate max loan, LTV and monthly payments using rent, stress rate and ICR - the same cover checks UK lenders use.
ICR / stress-test calculator
Check rental cover at pay rate and stress rate, and see the rent or max loan needed to pass lender ICR.
Rental yield calculator
Work out gross and net yield from purchase price, rent and running costs - including voids and management fees.
Deal analyser & cashflow
Pro deal studio with cashflow lines, stress presets and Monte Carlo fan charts for rate, void and growth risk.
Landlord tax calculator
Illustrate Section 24 finance-cost restriction, basic-rate tax credit and how much extra tax landlords may pay.
Landlord guides
Practical UK buy-to-let reading
Compliance, tax, mortgages and portfolio ops - written for small landlords who run property like a business.
- CalculatorsBuy to Let Mortgage Calculator UKWork out how much you can borrow on a UK buy-to-let mortgage, including rental cover (ICR), deposit and estimated monthly payments.
- CalculatorsRental Yield Calculator UKCalculate gross and net rental yield for UK buy-to-let properties, with costs, voids and a simple worked example.
- CalculatorsLandlord Tax Calculator UKEstimate UK tax on rental income for individual landlords, including Section 24 mortgage interest relief and basic vs higher rate.
- ComplianceGas Safety Certificate for Landlords (CP12)What a gas safety certificate is, who can issue it, how much it costs, and how often UK landlords must renew it.
- ComplianceDeposit Protection for Landlords UKHow UK landlords must protect tenancy deposits, prescribed information deadlines, and common mistakes.
- ComplianceEPC Requirements for Landlords UKMinimum EPC ratings for UK private rentals, exemptions, and what to do if your property is below band E.
- InvestmentHow to Become a Landlord in the UKA step-by-step path from first purchase to compliant letting for new UK buy-to-let landlords.
- SoftwareBest Landlord Software UK (2026 Comparison)A comparison of leading UK landlord and property management tools for small portfolio investors.
Setup
No migration project - start small and grow into documents, banking, and AI features.
- 1
Create your account
~2 minutesSign up with secure auth - multi-user and organisation-ready from day one.
- 2
Add properties
~5 minutes per propertyCapture addresses, tenancies, and key dates so the workspace reflects your portfolio.
- 3
Connect what you use
~3 minutes eachLink email and bank accounts when you're ready; everything stays scoped to your organisation.
Security & data
Property data is sensitive - bank transactions, personal documents, financial records. We treat it that way from the ground up.
Organisation scoping
Every query is tied to your organisation. No cross-tenant data access - your portfolio data is invisible to every other user.
Authentication & encryption
Sessions and MFA via Clerk. HTTPS everywhere on Vercel. Database encryption at rest on Neon Postgres.
Bank connections
Open Banking credentials are handled by the provider - we never see your login. Access tokens are stored encrypted (AES-256-GCM).
Human-in-the-loop AI
AI assistants draft and suggest. Irreversible actions - sending emails, changing data - always stay with you.
Simple, transparent pricing
Every plan includes every feature. Pick the tier that matches the size of your portfolio - that's it.
Every plan includes everything
All plans include a 14-day free trial. No credit card required to start.
Frequently Asked Questions
Everything you need to know about Property HQ
UK landlords - from a single buy-to-let to a portfolio of a hundred properties - who want clear visibility of their business, fewer things slipping through the cracks, and less time spent on admin. If you currently juggle spreadsheets, email threads, compliance dates, and lender deadlines across tools that were never designed to work together, Property HQ is built for you.
No. Property HQ helps you organise financial information, categorise transactions, and generate summaries - but it is not a substitute for professional advice. AI assistants draft and suggest; for tax and legal decisions you should always rely on your accountant and advisers. Think of it as giving your accountant a much tidier set of books to work with.
Not at all. Open Banking is entirely optional. You can use Property HQ for properties, documents, compliance tracking, and email management without ever connecting a bank account. When you are ready, connecting takes around three minutes and gives you automatic transaction categorisation, P&L tracking, and portfolio performance insights. The connection is read-only - we can never move money.
Each AI team member (PA, accountant, CFO, compliance officer) is a role-specific assistant grounded in your data. They can read your documents, transactions, and property details to give contextual answers. Critically, AI only ever drafts and suggests - it cannot send emails, change data, or take irreversible actions without your explicit approval. You stay in control at every step.
Your data is stored on Neon (serverless Postgres) with encryption at rest. The application runs on Vercel with HTTPS everywhere. Every database query is scoped to your organisation - there is no way for one user to access another organisation's data. Bank tokens are encrypted with AES-256-GCM before storage. We never store bank login credentials; those are handled entirely by the Open Banking provider.
Yes. Property HQ supports multi-user organisations from day one. You can invite team members to your organisation so they see the same properties, documents, and financial data. Each user gets their own login with full authentication and optional MFA. We plan to add granular role-based permissions in a future update.
We track the key UK landlord obligations: Gas Safety certificates (CP12), EICR electrical inspections, EPC energy ratings, deposit protection, smoke and CO alarm compliance, Legionella risk assessments, and HMO or selective licensing. The system surfaces upcoming expiry dates and will send reminders so nothing expires quietly. As regulations change, we update the compliance engine to match.
We are currently in early access and building alongside a small group of founding users. Pricing will be published when we open to a wider audience. Join the waitlist to be among the first to get access and to lock in founder pricing.
Gmail is fully supported today via Google OAuth - we connect with read and send scopes that you approve explicitly. Microsoft 365 / Outlook support is on the roadmap and coming soon. Once connected, your PA classifies incoming emails by urgency and category, summarises them, matches them to properties, and can draft replies with full context.
Yes. Transactions can be exported to CSV at any time with full categorisation and property assignment data. We believe your data is yours - you should always be able to take it with you. Additional export formats (PDF reports, accounting software integrations) are planned for future releases.