Could your portfolio
survive a 2% rate
rise and a void?
Run 5 stress scenarios across your properties — rate rises, voids, Section 24, regulatory costs — and get a single Portfolio Resilience Score with a branded PDF you can share with your broker.
Run your portfolio stress test free
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Preview — what you'll get
Why most landlords are more exposed than they think
Estimated annual cashflow loss per property on a 2% rate rise at typical LTV
Average void duration in UK buy-to-let. Most landlords hold no void reserve.
Extra tax on mortgage interest for higher-rate taxpayers under Section 24
Estimated average cost of upgrading a property from EPC D to C under pending regulation
Figures are indicative based on typical UK BTL portfolio data. Individual results will vary.
How it works
Three steps to your resilience score
Add your properties
Enter monthly rent, mortgage balance, interest rate, and other costs. Free for up to 2 properties.
Run the scenarios
Five stress scenarios run instantly. Toggle Section 24 if you're a higher-rate taxpayer and adjust the regulatory cost assumption.
Get your resilience score
See your 0-100 Portfolio Resilience Score and download a branded PDF you can share with your broker or accountant.
What it tests
Five scenarios every portfolio landlord should run
Each scenario is modelled across your full portfolio — not just one property. Because that's how real risk works.
Interest Rate +1%
What a one-point rise does to each property's monthly cashflow — applied across all mortgaged properties.
Interest Rate +2%
The stress test used by mortgage lenders and financial advisers. How much cushion does your portfolio actually have?
3-Month Void
One property sits empty for a quarter. Can the rest of the portfolio absorb the shortfall without burning through reserves?
Section 24 Impact
Higher-rate taxpayers face restricted mortgage interest relief. This scenario models the real after-tax cost.
Regulatory Cost Rise
EPC upgrades, selective licensing, electrical safety, deposit reform — the regulatory burden on landlords is rising.
Portfolio Resilience Score
A single 0-100 score across all five scenarios — your benchmark for understanding true portfolio risk.
Why landlords use this tool
Know your risk before the market moves
- Model rate rises before they happen — not after your fix expires
- Identify which properties carry the most cashflow risk
- Understand your Section 24 exposure as a higher-rate taxpayer
- Know exactly how a void affects your whole portfolio, not just one property
- PDF report formatted to share with your broker or accountant
- Free for up to 2 properties — no credit card required
"I didn't realise one of my properties would flip negative on a 2% rate rise until I ran this. It changed my refinancing strategy completely."
Portfolio landlord— 6 properties, Manchester
"As a higher-rate taxpayer, the Section 24 scenario was genuinely sobering. Worth running before any new purchase — not after."
BTL investor— London, 4 properties
"My broker asked me to model stress scenarios ahead of a remortgage application. This did it in 5 minutes and the PDF was exactly what they needed."
Portfolio landlord— 8 properties, Leeds
Find out if your portfolio can handle what's coming
Sophisticated landlords model risk before it happens. Takes 5 minutes. Free for up to 2 properties.
Run your stress testNo credit card. No spam. Instant access.