Landlord Portfolio ManagementProperty & Debt Schedules
A free buy-to-let portfolio spreadsheet and property portfolio tracker, in your browser. All 29 columns from the LAP template — property, purchase, mortgage, valuation, payments, rent and performance — plus a rate-expiry date for refinancing, with loan-to-value (LTV), equity, gross yield, rent cover and landlord net worth calculated for you. Unsecured debt schedule included. Reviewed 9 September 2026.
Property Schedule — Buy-to-Let Portfolio Spreadsheet
| PROPERTY | PURCHASE | MORTGAGE | VALUATION & EQUITY | MTG PAYMENTS (MTHLY) | RENT (MONTHLY) | ACTUAL FREQ (PYMTS/RECEIPTS) | PERFORMANCE | |||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Property address | Borrower(s) | Reg | Non-reg | Prop type | Tenure | Purch date | Purch price | Amt borrowed | Lender | Comp date | Account no | Bal o/s | Mtg date | Rate expiry* | Mkt val | LTV | Net equity | Int only | Cap & int | Freq | Rent | Less mtg | Freq (mtg) | Amt (mtg) | Freq (rent) | Amt (rent) | Narrative | Gross yield | Rent cover | |
| TOTALS | — | — | — | — | — | — | — | — | — | — | — | |||||||||||||||||||
Unsecured Debt Schedule — Credit Cards, Loans & Overdrafts
| Date (as at) | Debt type | Provider | Account / ref | Credit limit | Orig. borrowed | Balance o/s | % of limit | APR % | Monthly pmt | Term left (mths) | End date | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TOTAL | — | — | — | — | ||||||||
Landlord Net Worth Calculator
Ownership share — adjust if properties are not held equally. The original LAP template uses 50% (tenants in common 50:50). Unsecured debt is taken at 100% as it is personal liability.
Secured debt figures are the current balance outstanding, not the original amount borrowed. Property values are market estimates. This summary is management information only — not a formal financial statement.
Buy-to-Let Portfolio Spreadsheet — Questions
What is a property portfolio schedule and why do landlords need one?
A one-page register of every property you own: purchase price, mortgage lender and balance, current value, LTV, equity, rent and rent cover. Lenders ask for it on every buy-to-let or portfolio-landlord application, accountants need it at year-end, and it is the quickest way to see which property is carrying the others. This page replicates the LAP Property & Debt Schedules template, column for column.
What does a lender mean by a portfolio landlord?
Since the PRA rules of 2017, a landlord with four or more distinct mortgaged buy-to-let properties is a portfolio landlord. Lenders must then assess the whole portfolio — aggregate LTV, rent cover and cash flow — not just the property being financed. A schedule like this, kept up to date, is exactly what that assessment is built from.
How is loan-to-value (LTV) calculated on a buy-to-let?
LTV = mortgage balance outstanding ÷ current market value × 100. Most buy-to-let lenders cap at 75%, some at 80%; below 60% unlocks the best rates. The schedule colour-codes each property (green ≤60%, amber ≤75%, red above) and shows the aggregate portfolio LTV in the summary bar.
What is rent cover and what do lenders require?
Rent cover = monthly rent ÷ monthly mortgage payment × 100. On a new application lenders test it at a stressed interest rate — commonly the higher of pay rate + 2% or 5.5% — and require 125% (basic-rate taxpayers) or 145% (higher-rate and most companies). The schedule shows cover at your actual payment per property and a portfolio-wide figure at 5.5%.
How do I work out my net worth as a landlord?
Portfolio market value, less mortgages outstanding, gives property equity; multiply by your ownership share if properties are held jointly; then deduct unsecured personal debts (cards, loans, overdrafts). Secured debt is taken at the balance outstanding, not the amount originally borrowed. The Net Worth Summary on this page does this automatically from the two schedules.
Is there a free buy-to-let portfolio spreadsheet template for UK landlords?
Yes — this page. It is the LAP Property & Debt Schedules template rebuilt as a browser tool: the same 29 columns, the same calculations, no sign-up. Use it here, download your figures as CSV, or download the original Excel template (also free) if you prefer a formula-driven spreadsheet you keep on your own computer.
What do portfolio landlords need to show a mortgage lender?
A schedule of every property (address, value, lender, balance, rent), aggregate loan-to-value, rent cover at the lender's stress rate, a cash-flow statement or bank statements, personal net worth including unsecured debts, and usually a business plan for the portfolio. This page produces the schedule, the aggregate portfolio LTV, a 5.5% stress figure and the net worth; your accountant or bookkeeper provides the cash-flow records behind them.
Is my data saved, and can I export it?
Nothing is sent anywhere. By default data lives only on the page and is lost when you close it. Switch on Remember on this device to keep it in your browser between visits; download a CSV of what you have entered (opens in Excel) and import it back on any device; print or save as PDF; or download the original formula-driven Excel template.
Using This Schedule
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