Free portfolio landlord property schedule template

Remortgaging, or buying your next let? If you have four or more mortgaged buy to let properties, lenders look at your whole portfolio and usually ask for a property schedule. This free spreadsheet gathers it all in one place.

Download the free template (.xlsx)

Works in Excel, Google Sheets and Numbers. No sign up needed.

What a lender means by a portfolio landlord

The Prudential Regulation Authority treats borrowers with four or more mortgaged buy to let properties, counted across all lenders, as portfolio landlords. Lenders then look at the whole portfolio: every property, its mortgage, the rent and the cash flow, not just the home you are financing. Homes you own outright do not count towards the four, but lenders often still ask about them.

Source: PRA supervisory statement SS13/16, Bank of England.

What is in the template

Properties: one row per home with address, ownership, purchase date and price, current value, lender, balance, monthly payment, rate and when it ends, rent, tenancy and voids.
Summary: number of homes, total value, total borrowing, overall loan to value and monthly rent after mortgage payments, all worked out for you.
A rough interest cover check: type in your lender's stress rate and cover ratio and see how your rent compares.
Plans: future purchases, strategy and who manages each home, the questions many lender forms ask.
Documents: a checklist of the papers lenders commonly ask for.

Good to know

Every lender sets its own stress rate, cover ratio and paperwork, and some have their own schedule form. Copy your figures across; the columns follow the usual order. This template is a record keeping aid, not mortgage or financial advice. Speak to your broker or lender about your own case.

FAQ

Do I need a property schedule with three buy to lets?

Usually not as a portfolio landlord, but some lenders count the home you are buying, so a fourth purchase can bring you into it. Having the schedule ready does no harm.

Do properties in my limited company count?

Lenders usually count every mortgaged buy to let you own or have an interest in, including through a company. Check with your lender.

How often should I update it?

Once a quarter is plenty: values, balances and rents. Then it is ready whenever a lender or broker asks.

Keep the figures up to date without the admin

Padlord keeps each property's value, mortgage, rent and costs in one place, so the numbers for your schedule are always to hand. It also helps keep your records ready for Making Tax Digital.

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Checked on 9 November 2026. England.