Buy-to-let planning · UK
Net worth · 25y
£124k
Cashflow /mo · at goal
£2,400
Properties · at horizon
4
Illustrative plan · the real Studio uses your properties, your mortgages, your goal.
For UK buy-to-let investors
Most landlords plan the next twenty years on a napkin and hope. Rates change. Voids happen. Tax rules shift. Life gets in the way. You deserve to see it coming. Banks and hedge funds stress-test every scenario. Your rental portfolio should too. PropMaps turns it into a plan you can actually look at — for the next twenty-five years.
0yr
Plan horizon
0
Possible futures modelled
0
UK regions built in
0
Historical shocks replayed
Try the Studio · right here
No spreadsheets. No maths. Change a rate, a tax wrapper, a strategy — and see how your rental portfolio plays out across the next two decades.
Net worth · real · 20 years
Net worth · 20y
£0
Cashflow /mo
£0
Properties
0
Income goal
Not yet
hit in year 12
Illustrative preview · the real Studio uses your properties, your mortgages, your goal.
What’s under the hood
Six things PropMaps does quietly every time you change one input — institutional-grade scenario modelling, turned to a UK buy-to-let portfolio.
See every property earn, spend and pay down, every month, for the next 25 years. Real numbers, not just headline yields.
Month 84 · Flat, Manchester
Section 24, SDLT surcharges and dividend tax — all baked in. Compare owning in your name vs a limited company in one click.
Same portfolio, 4 tax vehicles · lifetime
The wrapper you choose can change your lifetime tax by tens of thousands.
Replay 1990, 2008 and the 2022 mini-budget on your book. See what happens under joint rate + house-price shocks before they arrive for real.
Stress grid · does your plan survive?
HoldsWobblesBreaksMortgage rate shock →
49 joint shocks in one glance. You can see the edge of the cliff long before you reach it.
PropMaps runs 300 possible versions of the next 20 years and shows you the good, the middle and the bad. So you plan for reality, not a single lucky guess.
300 possible futures · net worth
P5 → P95Bad case (P5)
£720k
Median
£1.5M
Best case (P95)
£2.8M
Even the worst 1-in-20 outcome has your book worth £720k — because you can see it now, not stumble into it later.
Pin a plan. Change one thing. Pin it again. See both futures side-by-side and pick the one you'd rather live in.
4 pinned scenarios · 20-year outcome
Same book. Same market. Only your decisions change.
London isn't the North East, and your plan should know it. Regional house-price and rent trajectories built in from day one.
Regional HPI curves · long-run annual
Toggle regional HPI on and watch how a Manchester BRR out-earns a London BTL over 20 years.
Why landlords keep it open
The best reason to model your portfolio isn’t the numbers. It’s what the numbers give you back.
A roadmap you can see
Property investing is decades of quiet decisions. PropMaps turns them into a plan you can look at — every property, every year, every cashflow, laid out across the next 25 years. You stop hoping. You start knowing where you're headed.
Test a decision before you commit
Should I buy a HMO or two flats? Fix for two years or five? Put it in a limited company or my name? Every one of those decisions ripples for twenty-five years. Try both in the Studio. See which future you'd rather live in.
Sleep through the next rate spike
Rates will move. Voids will happen. House prices will dip. PropMaps replays 1990, 2008 and the 2022 mini-budget on your exact portfolio, so you can see whether your plan holds — and fix it now, quietly, if it doesn't.
For when the days feel long
This is a twenty-year venture, and some months are grim. Rents come in late. A boiler goes. Nothing seems to be compounding. Open the model on days like that. See the plan. See where the line is going. Then get back to it.
“If you keep plugging away at this — even on the days when nothing feels like it’s working — the plan says the future is better than the present. That’s the whole point.”
Pricing
Monthly if you want flexibility. Annual if you want the better rate. Cancel any time.
£39.95/month
Flexible monthly subscription. Cancel any time.
£249.95/year
Best value for serious investors.
Save £229.45 (47% off)
30-day money-back guarantee. Cancel any time.
How the routes compare
Four ways UK property investors plan. Here’s what each one actually costs you — in money, effort and blind spots.
Swipe the table to compare →
| PropMaps | Spreadsheet | Financial advisor | Do nothing | |
|---|---|---|---|---|
| Cost | £249.95 / year | Your weekends | £1,500+ / plan | "Free" — until it isn't |
| What it models | Every property, every month, taxed | Whatever you remembered to add | A single scenario, one moment in time | Hope |
| Stress testing | 1990, 2008, 2022 + custom shocks | Manual, per scenario | Usually none | None |
| Monte Carlo | 300 correlated paths, in-browser | Not without weeks of VBA | Not typically offered | None |
| UK tax rules | S24, SDLT surcharge, dividends | As accurate as you built it | Yes — for one scenario | Discovered at year-end |
| If it's not for you | Cancel any time · 30-day refund | You still own the spreadsheet | Fee paid | Compound cost |
From the book
“I used to run the next purchase in a spreadsheet and hope. PropMaps showed me the limited-company wrapper was worth £18k over 10 years. I refinanced two flats the same week.”
James
8-unit BTL, Manchester
£2.1k/mo plan
“I nearly signed a 75% LTV at 5.9% because the yield looked fine. The stress grid showed the deal breaking if rates went another 1%. I walked. Best non-purchase I never made.”
Priya
First-time landlord, Leeds
Bought with eyes open
“We pinned “keep buying” against “grow then delever”. The income path hit our goal three years earlier. The whole board meeting took twelve minutes instead of three spreadsheets.”
Daniel
Ltd company, 14 properties
Delevered on purpose
“Section 24 was a rumour my accountant mentioned once a year. Seeing personal vs ltd on the same book, month by month, is what made me incorporate the next two purchases.”
Sophie
HMO + single lets, Sheffield
S24 finally visible
“I replayed the mini-budget on my exact mortgages. Two of five would have gone cash-negative. We remortgaged those first. The model paid for itself in one arrangement fee I didn’t waste.”
Marcus
Portfolio landlord, Bristol
Slept through 2022
“My partner and I used to argue from different Excel files. Now we open one Studio, change one assumption, and look at the same 25-year line. The argument ended. The plan didn’t.”
Elena
Joint portfolio, Birmingham
Stopped guessing
FAQ
The Studio runs a monthly-resolution projector: every property has its own ledger, mortgages amortise properly, rental profits get taxed under Section 24 or corporation-tax rules, and refinance windows respect fix terms. It's the same shape of engine you'd find at a fund — turned on your book instead of a hedge fund's.
A spreadsheet models one scenario, one time. PropMaps models 300 correlated paths, side-by-side comparisons, and joint stress shocks in real time. If you want to answer "what happens if rates go to 8% AND rents flatline AND my Manchester flat sits vacant" — that's a 30-second click here, versus a rebuild in Excel.
Yes. Section 24 mortgage-interest restrictions, SDLT surcharges for additional dwellings, corporation tax for limited companies, and dividend tax on extraction. You can model the same portfolio personally, in a ltd co, or compare both wrappers side-by-side.
An advisor typically models a single scenario at a single moment in time. PropMaps lets you re-run any decision — refinance now vs wait, sell vs hold, personal vs ltd — under any market and see the 20-year outcome instantly. You keep control, and the underlying assumptions are transparent, not hidden in a PDF.
No. The Studio has sensible defaults on day one and comes seeded with a sample portfolio so you can explore. Every input is labelled in plain English. If you can read your last mortgage statement, you can build a model.
Your portfolio and scenarios are stored under your account. Nothing is shared with third parties. All UK-based hosting, all data encrypted in transit and at rest.
Full Modelling Studio access on either plan: unlimited scenarios, Monte Carlo, stress testing, region map, and UK tax modelling. Annual is the same product at a better rate — £249.95/year instead of £39.95/month.
Yes. Cancel any time from Manage subscription in the studio. There is a 30-day money-back guarantee, no questions asked. Email support@propmaps.io.
Set up your properties in under ten minutes. See the next twenty-five years, decide with confidence, and get back to living the rest of your life.
From £39.95/month · or £249.95/year · 30-day money-back