Your rent hasn't changed.
Your costs have.
Time to find out by how much.
Most landlords are overpaying in at least three areas. Here's how to find where your money is going — and claw it back.
Find out where your money is going
Savings calculator and ranked action plan included.
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Preview — what you'll get
Remortgage — SVR detected. Potential saving: £1,800/year. Low effort.
What unaudited costs are costing you right now
Extra annual mortgage cost for landlords still on SVR after their deal expired
Average premium overpaid by landlords who haven't shopped insurance in over two years
Missed tax deductions for landlords not using a specialist property accountant
Annual void per property for landlords without a proactive tenant retention strategy
Illustrative figures. Your numbers will vary — that's exactly why the framework exists.
How it works
Your cost audit in three steps
Audit 7 cost categories
Work through each category and enter your actual spend. Each section flags overpayment patterns and calculates your saving potential in real time.
Watch the savings total build
A running savings total updates as you complete each category. Your top quick wins — ranked by impact and effort — surface automatically.
Get your action plan
Your personalised ranked action list: the highest-saving steps first, with estimated annual saving and effort rating for each. PDF export included.
What's included
Seven categories. Every hidden cost.
A systematic audit of your entire cost base — from mortgage and insurance through to voids and tax. Each category flags specific overpayment patterns and calculates your potential saving.
Mortgage & Finance Costs
Up to 5 loansSVR check, rate comparison, estimated remortgage saving. Includes the Section 24 double-benefit callout for higher rate taxpayers.
Insurance Costs
Per propertyBuildings, liability, loss of rent, legal. Flags landlords who haven't shopped around in 2+ years. Portfolio policy comparison.
Management & Agent Fees
P&L breakdownFee % benchmark, annual cost per property, self-management saving calculator. Multi-property portfolio discount prompt.
Maintenance & Repair Costs
Spend benchmarkRoutine vs reactive split, spend as % of rent, contractor network check, boiler age flag. Planned vs reactive cost comparison.
Compliance & Certificate Costs
Renewal forecastGas Safety, EICR, EPC, licensing fees. Benchmarks against typical market rates. Upcoming renewals flagged within 3 months.
Tax & Accountancy Costs
10-item checklistMissed deduction checker, specialist vs general accountant comparison. Section 24 review prompt for higher-rate taxpayers.
Void & Re-letting Costs
Retention calcAnnual void cost, cost per tenancy change, 3-year total. Tenant retention value calculator — the saving from keeping a good tenant.
Savings Summary
PDF + chartTotal savings identified, breakdown by category, portfolio efficiency score, and your top 3 ranked quick wins. PDF export included.
Why landlords use this
Most landlords have never formally audited what they spend
- SVR mortgage check — flags if you're likely on the lender's standard variable rate
- Insurance shopping prompt — benchmarks your premium and estimates the saving from competitive quotes
- Management fee benchmarking — flags above-average fees and calculates self-management saving
- Missed tax deduction checker — 10-item list of allowable expenses landlords commonly miss
- Void cost calculator — the real annual cost of your average void, including re-letting fees
- Section 24 callout — double-benefit of rate reduction for higher-rate taxpayers
- Portfolio efficiency score — your total cost base as % of gross rent vs benchmark ranges
About this framework
In a high-interest-rate, high-regulation environment, cost control is as important as rent optimisation. Yet most landlords have never sat down and audited what they spend systematically. This framework does that for you.
Seven cost categories. A live savings total. A clear ranked list of the actions most likely to put money back in your pocket — ordered by impact and effort.
On mortgage costs and Section 24
For higher and additional rate taxpayers with mortgaged portfolios, reducing your mortgage rate reduces both your actual cost and your Section 24 tax exposure. The framework surfaces this double benefit explicitly.
What you'll walk away with
Knowing your costs is step one.
Tracking them automatically is step two.
HomeDash logs every cost against every property — maintenance, compliance, management fees, mortgage payments — giving you a real-time picture of your portfolio P&L without a spreadsheet in sight.
Start tracking free — one property, foreverNo credit card required · Cancel any time