Portfolio Insights
Overview
As your property portfolio grows, it becomes harder to keep track of how everything is performing.
Are your properties making money? Which properties have the highest running costs? Are rents keeping pace with the local market? How much is your portfolio worth today compared to last year?
The Insights section helps answer these questions by bringing together information from across PaTMa and presenting it in a series of easy-to-understand reports and charts.
Rather than spending hours building spreadsheets and reports, PaTMa automatically analyses the information already stored in your portfolio and turns it into useful insights.
The more information you record in PaTMa, the more valuable these reports become.
Accessing Insights
To access your reports, select Reports from the left-hand navigation menu.
This will take you to your Portfolio Overview, where you'll find a range of reports covering different aspects of your portfolio.
You'll also find the option to create a Property Schedule, which can be useful when reviewing your portfolio or sharing information with lenders, accountants or other professionals.
Portfolio Overview
The Portfolio Overview is the best place to start if you want a quick snapshot of your portfolio.
Here you'll find visual summaries showing:
- Income and expenditure
- Portfolio value
- Mortgage balances
- Occupancy levels
- Performance trends over time
It's designed to help you understand how your portfolio is performing at a glance without needing to dig through individual properties.
Profit & Loss
Want to know whether your properties are actually making money?
The Profit & Loss report breaks down rental income and expenses for each property, helping you understand where your profits are coming from and identify properties that may need attention.
Reports can be filtered by:
- Property
- Landlord
- Date range
- Tax year
If a property is consistently underperforming, this report can help you identify potential issues and decide where improvements can be made.
You may even discover it's time for a rent review.
Capital Gains Tax (CGT)
If you're planning ahead, the CGT report can help you understand the potential Capital Gains Tax position across your portfolio.
This can be useful when considering future property sales or reviewing the long-term performance of your investments.
Mortgages
The Mortgages section helps you review your current mortgage arrangements and explore potential future scenarios.
For example, if you're approaching the end of a fixed-rate period, you can model different mortgage products and see how they may affect profitability.
The calculator uses four key inputs:
- Maximum Loan-to-Value (LTV)
- Mortgage interest rate
- Required rent cover
- Stress rate
The estimated mortgage can then be compared against your current rental income to help assess affordability and profitability.
⚠️ Mortgage calculations are estimates only and do not constitute financial advice.
Compliance
Nobody enjoys paperwork, but missing certificates can quickly become an expensive problem.
The Compliance report highlights missing or expired documentation across your portfolio, making it easy to identify properties that may require attention.
Any missing safety certification or compliance requirement is clearly highlighted, helping you stay on top of your responsibilities as a landlord.
Market Rent
Ever wondered whether your rents are keeping pace with the local market?
For eligible properties, PaTMa compares your current rent against verified market data, helping you understand how your properties compare with similar homes nearby.
This can be useful when considering a rent review or when assessing the overall performance of a property.
Of course, market rent isn't the only consideration. Some landlords are happy to accept slightly lower rents in exchange for long-term, reliable tenants.
Market Rent reports are generally available for eligible single-let properties with complete address information.
Getting the Most from Insights
Insights are generated using information already stored within your portfolio.
To get the most value from these reports, we recommend keeping your portfolio information up to date, including:
- Tenancies
- Rent payments
- Expenses
- Mortgages
- Property valuations
- Certificates and compliance information
The more complete your portfolio data, the more accurate and useful your insights will become.
Over time, this can help you make better-informed decisions about your portfolio without needing to maintain separate spreadsheets or reports.