Frequently asked questions.

Proxera is a property wealth platform for UK landlords and investors. It connects your entire portfolio, property values, rental income, expenses, equity, yield and compliance, into one clear, connected dashboard, then turns that data into a clear picture of your net worth and where your wealth is heading. You connect your accounts through Open Banking, add your properties, and Proxera keeps everything up to date automatically. It replaces the spreadsheets and helps you understand, organise and grow your property wealth, from your first buy-to-let to financial freedom.

This is the question most property owners cannot answer with confidence. PROXERA gives you a single Property Wealth Score alongside a clear view of your net worth, income, equity and progress towards your goals, then flags exactly what needs attention and the next move worth making, so you always know whether your portfolio is on track and where to look first.

Property has become more demanding. Making Tax Digital, tighter compliance, shifting interest rates and rising costs all move faster than a spreadsheet or a year-old accountant report can keep up with. Managing your position, your deadlines and your next best move by hand is now a real risk. PROXERA continuously monitors your properties, finances and goals in one place, so nothing important slips and every decision is an informed one.

Proxera is built for UK residential property investors at every stage, from first-time landlords with a single buy-to-let to experienced investors running portfolios of HMOs, short-term lets and BRRR projects. If you own property and want to see your true net worth, stay ahead of Making Tax Digital, and make smarter decisions about what to buy, refinance or sell next, Proxera is designed for you.

Your Wealth Score is an instant snapshot of how your property wealth is performing, pulling your equity, yield, cashflow, gearing and growth into a single number you can track over time. It shows where you stand today and what to improve next. You can get your free Wealth Score in a couple of minutes by creating a free Wealth Portal account, with no card required.

Yes. Proxera has a genuinely free plan that includes your Wealth Score, Wealth Portal, full portfolio management, an Open Banking connection, a live net worth and equity overview, and secure document storage, with no card required. You only upgrade to PROXERA+ when you want the advanced intelligence, forecasting and MTD filing that investors can rely on.

PROXERA+ is £19.95 per month, cancel anytime. It includes everything in the free plan plus Wealth Radar opportunity tracking, personalised wealth recommendations, interactive wealth trajectory and what-if scenarios, quarterly wealth reviews, and introductions to trusted professionals. Making Tax Digital filing and full bookkeeping are available as an optional Tax & Accounting Add-on for £10 per month. There are no per-property charges and no hidden fees.

Yes. Proxera is MTD-ready for landlords, available as the Tax & Accounting Add-on for £10/month. Making Tax Digital for Income Tax went live on 6 April 2026 for property income over £50,000. The add-on keeps digital records, categorises income and expenses through Open Banking, and prepares your quarterly submissions and year-end return for you to review and file to HMRC.

Not yet. The current Making Tax Digital threshold is £50,000 of gross property income, dropping to £30,000 and then £20,000 in the phases that follow. Even if you are under the threshold today, starting now means your records are already digital and accurate, so when MTD reaches you, compliance is effortless. In the meantime you get the full clarity of Proxera on the free plan.

Absolutely. Proxera automates your digital record-keeping and MTD submissions, which cuts the manual work your accountant does and the fees that come with it. Many investors share dashboard access with their accountant, so their adviser always has clean, up-to-date numbers and tax time is faster and cheaper for everyone.

Open Banking is a secure way, provided through an FCA-authorised provider, to share your bank data with authorised platforms like Proxera. Connect your accounts once and Proxera categorises your rental income, mortgage payments and property costs as new data arrives, with no manual imports and no lost receipts. The connection is read-only, so Proxera can see your transactions but can never move your money.

Proxera's AI continuously reads your live portfolio against market data and your personal position, then surfaces the moves that matter, such as when your LTV has dropped far enough to refinance, which properties are underperforming their local yield benchmark, when you are approaching a capital gains threshold, and where a small investment would lift a property's value or rent. It is the intelligence that turns a portfolio tracker into a genuine wealth adviser.

The concierge is a curated network of pre-vetted property professionals you can reach straight from your dashboard, including mortgage brokers, tax accountants, solicitors, landlord insurance providers, letting agents, renovation contractors, FX specialists and RICS surveyors. When Proxera spots an opportunity, the right expert to act on it is a direct introduction away.

Yes. Proxera is built on enterprise-grade infrastructure with end-to-end encryption for all financial data, and every Open Banking connection is provided through an FCA-authorised provider and is read-only. Your data is never sold to third parties, and you can delete your account and all your data at any time. Proxera Ltd is registered in England and Wales (Company No. 12583682) and operates in full compliance with UK GDPR.

PROXERA lets you hand your buyer a completed, organised property the moment they get the keys. The sale details, documents and key dates go straight into their free PROXERA Wealth Portal, presented as a handover from you. It keeps you present after completion and gives you a natural reason for the next conversation. A fuller agency view of your handed-over clients is available as an optional add-on if you want it.

Getting started with the handover is quick, and there is nothing technical for you to build. Once you are set up you can start sending handovers to clients straight away. If you add the optional agency view later, we help you get that running too.

Your client receives their free PROXERA Wealth Portal as part of the handover. They set a password and log in, and it is presented as coming from you. There is nothing for you to install.

We give you what you need to introduce the handover to clients: a simple introduction, talking points for your team and support through your first handovers. We run a kick-off call and stay close early on.

The seamless handover is simple to get started with, and the cost depends on your agency's size and how you want to use it. The optional agency add-on sits on top of that. Talk to us and we will put together what fits.

No. Your clients receive a free PROXERA Wealth Portal, so the handover costs them nothing. If they later want deeper features they can upgrade to PROXERA+ themselves, but that is entirely their choice.

Yes. Many agents use the handover as a reason to stay in touch after completion, to stand out when winning instructions, and to keep clients engaged long after the sale. How you position it commercially is entirely your call.

We keep it simple and flexible. Talk to us about the terms that suit your agency. There are no hidden exit clauses and no surprises.

Yes. All data is encrypted in transit and at rest, and we are ICO registered and fully compliant with UK GDPR. Your clients' data belongs to them and your agency, is never shared with other agencies, never used for third-party marketing and never sold. PROXERA acts as a data processor on your behalf.

Never. Your clients and their data are only ever visible to you and the people you give access to. No other agency can see your data, and that is built into how the platform works, not just a policy.

No. Your clients are your clients, full stop. We never contact them, market to them or approach them as PROXERA off the back of a handover. The handover is presented as coming from your agency.

A clean, free property portal to track their new property: its value, income, documents and key dates, presented as a handover from you. It looks premium and reflects well on your agency long after completion.

The handover itself is about giving your clients a great experience. If you want an agency view, showing who you have handed over to and where they are active, that is available as an optional add-on. Most agencies start with the handover and add it later if they want it.

Yes. If you take the optional agency view, each team member can have their own login with access set by role. Most agencies start with the handover and add team logins later if they want them.

You get our support team throughout onboarding and as you get going. We stay available and treat your launch as a partnership.