Quarterly Portfolio Review
Written by Scott Jones, founder of PropertyKiln.
Tickable checklist covering rent reviews, voids, compliance, expenses, mortgage rates and inspections — every 3 months.
This calculator provides estimates based on current UK tax rates and regulations. It is not financial advice. Results depend on your individual circumstances. Consult a qualified accountant for advice specific to your situation.
Quarterly portfolio review
Run through this every quarter (suggested: end of March, June, September, December). Tick items as you go — your progress is saved on this page until you reset.
Income
Pull 3–5 comparable lets on Rightmove/Zoopla. If your rent is more than 5% under market, plan a Section 13 notice for the next opportunity.
Rent Increase Calculator →Empty days × daily rent. Identify causes (poor marketing, refurb gap, problem tenant). Target: under 4% void rate annually.
Void Cost Calculator →Any tenant 1+ months behind needs a written reminder. 2 months: prepare Section 8 ground 8 notice. Don't let arrears compound.
Compliance
List every certificate per property with expiry date. Renew 30 days before expiry — never let one lapse during a tenancy.
Confirm every deposit is in a scheme, prescribed information served, and re-protection done on any renewal this quarter.
Deposit Compliance Check →Inspect at least every 6 months. Photo damp, mould, smoke alarms, boiler condition. Give 24 hours' written notice.
Has your property entered a new licensing zone this quarter? Have any HMOs added a 5th occupant tipping into mandatory licensing?
Costs
Repairs (revenue) vs improvements (capital). Mortgage interest separate. Travel logged with mileage. MTD users: reconcile to bookkeeping software.
Income & Expenses Tracker →Any fixes ending in next 6 months? Get a broker quote now. With BoE base around 3.75%, BTL fixes typically 4.5–5.5%.
Mortgage Affordability →Premium creeping up? Get 3 alternative quotes annually. Check rebuild value matches BCIS (not market value).
Are your gas engineer, electrician, builder, cleaner still competitive? Get a fresh quote from one alternative each quarter.
Strategy
Rent received minus all costs (mortgage, agent, insurance, maintenance, voids, tax reserve). Compare to last quarter and year ago.
What happens if rates rise 1%? If voids hit 8 weeks? If a £10k repair lands? Use the stress-test calculator.
Stress Test Calculator →Move 25–45% of net rental profits to a separate savings account, ready for January / July POAs.
Tax Reserve Calculator →Any property yielding under 4% net? Any with major capex coming? Any with capital gains worth crystallising before CGT changes?