Data
Analyse a property portfolio
Where the equity is, what refinancing releases, and what it costs.
Fill it in
Properties, debt and values.
At realistic loan-to-value, not at the maximum.
Fees, penalties and the rate change.
Your prompt
Analyse the portfolio. Compute available equity at a REALISTIC loan-to-value, not the maximum a lender advertises. The number that matters is what could actually be drawn against current values with current rental coverage, and coverage is usually the binding constraint rather than value. Include the costs of moving: arrangement fees, valuation, legal, early repayment charges, and the rate difference over the remaining term. A refinance that releases equity and costs more than it returns is common and looks good on the headline. Rank by whether the release is worth it, and show the effect on portfolio cash flow rather than per property. That is where a refinance quietly turns a portfolio negative.
Use Analyse a property portfolioOpens with everything above already filled in.
Why this works
Rental coverage, not value, is usually the binding constraint on what can actually be drawn. This computes equity at a realistic loan-to-value, includes early repayment charges and fees, and shows the effect on portfolio cash flow rather than per property.