Case Study: Bringing an 11-Property Portfolio
Into One View Before the MTD Deadline

The situation

Sarah is a portfolio landlord based in Greater Manchester, with 11 buy-to-let properties acquired over 14 years across three cities. Her portfolio had grown organically, one good deal at a time, and by 2026 she was tracking it across four different spreadsheets, a folder of scanned mortgage statements, and whatever her letting agents happened to email her that month.

She could not answer a simple question with any confidence: what is my portfolio actually worth right now, after debt? Property values had moved, two mortgages were due for renewal, and rents had been increased at different times across different properties. Nobody, including her accountant, had a single current figure.

With Making Tax Digital for Income Tax due to apply to her from April 2026, her rental income comfortably clears the £50,000 threshold, she also needed a way to keep digital records and file quarterly without hiring a full-time bookkeeper.

What she wanted

• One accurate, current view of every property, its value, equity and yield
• Digital record-keeping in place well before the April MTD deadline
• To stop manually reconciling bank statements against a spreadsheet every month
• Enough clarity to decide, with confidence, whether to refinance two of her older mortgages

What we did

We connected her business bank accounts via read-only Open Banking, so rental income and property expenses started reconciling automatically from day one, no more manually copying figures across from bank statements.

We added her 11 properties to Proxera, which pulled live valuations for each and rolled them up into a single portfolio-wide net worth and equity figure, the first time she had seen that number in one place rather than added up by hand.

Her Wealth Score gave her a clear read on how her portfolio compared on yield, gearing and growth, and flagged two properties sitting on loan-to-value low enough to refinance. We introduced her to a mortgage broker from the concierge network to look into both.

With her records now digital and reconciled from connected data, her quarterly MTD submissions began preparing themselves in the background, ready well ahead of the April deadline rather than scrambled together at the last minute.

Where things stand now

• Her whole portfolio lives in one dashboard, updated automatically, replacing four spreadsheets and a folder of PDFs
• She was MTD-ready months before the deadline, with quarterly submissions prepared as you go rather than assembled under pressure
• Refinancing on the two flagged properties released equity she is now deploying towards her next purchase
• Her accountant now works from the same live figures she does, cutting the back-and-forth at year end

Why this matters beyond one portfolio

Sarah's situation is not unusual. Most portfolio landlords we speak to are running their business across a patchwork of spreadsheets, PDFs and memory, and most have no live, accurate answer to what their portfolio is actually worth today. That gap gets more expensive every year, in missed refinancing windows, in properties quietly underperforming their local yield, and now, in the compliance risk of Making Tax Digital.

The 2026 MTD threshold is £50,000 of gross property income, dropping to £30,000 and then £20,000 in the phases that follow. If that is not you yet, it likely will be. The landlords who get ahead of it now, the way Sarah did, are the ones who turn a compliance deadline into an excuse to finally see their portfolio clearly, rather than a scramble every quarter.