How this 83 is builtCompliance · 25%100Occupancy · 20%92Debt stress · 20%100Cash flow · 20%100Data quality · 15% · records unverified0Each dimension scores 0 to 100. The bar is the weighted average.
RequirementGas Safety recordStatuteGas Safety (Installation and Use) Regulations 1998 reg.36Expiresin 11 daysCycleAnnual, Gas Safe engineerIf missedCriminal offence; HSE can prosecute
RequirementGas Safety recordStatuteGas Safety (Installation and Use) Regulations 1998 reg.36Expiresin 22 daysCycleAnnual, Gas Safe engineerIf missedCriminal offence; HSE can prosecute
An example portfolio of 25 units. Click anything in it, or start with one of the three questions below. Your own figures come from your own data.
9:41
All entities AR
Net position
£797,600
↑ 16.2%vs purchase · £1.99M gross
6 moves waiting
£2,401 a year on the table
Review
Cash flow
£7,900
per month
Rent in
£15,365
£950 outstanding
Occupancy
92%
23 of 25 let
Gross yield
10.7%
net 8.1%
Next movesAll 6 →
1Refinance 988 Cathcart Road before the fix ends988 Cathcart Road · Fixed rate ends in 59 days£2,401
2Chase £950 of arrears905 Park Terrace · £950 in arrears£950
3Line up the next tenant914 Great Northern Road · Tenant leaving£575/mo
An example portfolio of 25 units. Three of the questions it answers:
See where every figure comes from.
The dashboard says what to do first. Open anything on it and Lar shows the statute behind it, the figures it used and which owner it belongs to.
Why this was surfaced
2.99% fix ends in 59 days and reverts to the lender's 6.49% SVR: about £2,401 a year more on the £68,600 balance.
Mortgage endin 59 daysLenderMortgages R UsCurrent rate2.99%Revert rate6.49%Balance£68,600Monthly payment£171
Deterministic rule · Mortgage and Capital · high confidence
Why this was surfaced
One month's rent is outstanding at 905 Park Terrace. Arrears rank ahead of renewals because the loss is already on the books.
Property905 Park TerraceOwnerCairnholm PropertyMonthly rent£950Arrears£950 · one monthDueOne month agoNext stepReminder drafted from the tenancy
Deterministic rule · Rent and arrears · high confidence
Actions ranked by what they cost you. Open one and Lar shows both the underlying logic and the figures used.
RequirementGas Safety recordStatuteGas Safety (Installation and Use) Regulations 1998 reg.36Expiresin 22 daysCycleAnnual, Gas Safe engineerIf missedCriminal offence; HSE can prosecute
931 Rosemount Place, AberdeenLandlord Registration (ABD/123456/789)Antisocial Behaviour etc. (Scotland) Act 2004, Part 8in 24 daysin 24 days···
RequirementLandlord RegistrationStatuteAntisocial Behaviour etc. (Scotland) Act 2004, Part 8Expiresin 24 daysCycleEvery 3 years, per councilIf missedFine up to £50,000 and a Rent Penalty Notice
Showing the next 3 of 7
Each row names the statute it comes from and the date it falls due. Click one for the consequence of missing it, or upload the certificate from the row.
2.99% fix ends in 59 days and reverts to the lender's 6.49% SVR: about £2,401 a year more on the £68,600 balance.
£2,401Why this first?
Portfolio value£1,987,000+16.2% vs purchase
Monthly cash flow£7,900after mortgage + costs
Occupancy92%23 of 25 occupied
Gross yield10.7%before running costs
Net yield8.1%after running costs
Portfolio LTV60%£1,189,400 debt
Switch between your personal holdings and your companies, or see everything at once. Every figure follows the owner you pick.
The logic
Why this was surfaced
2.99% fix ends in 59 days and reverts to the lender's 6.49% SVR: about £2,401 a year more on the £68,600 balance.
Mortgage endin 59 daysLenderMortgages R UsCurrent rate2.99%Revert rate6.49%Balance£68,600Deterministic rule · Mortgage and Capital
Actions ranked by what they cost you. Open one and Lar shows both the underlying logic and the figures used.
The law
StatuteGas Safety (Installation and Use) Regulations 1998 reg.36CycleAnnual, Gas Safe engineerIf missedCriminal offence; HSE can prosecute
StatuteGas Safety (Installation and Use) Regulations 1998 reg.36CycleAnnual, Gas Safe engineerIf missedCriminal offence; HSE can prosecute
StatuteAntisocial Behaviour etc. (Scotland) Act 2004, Part 8CycleEvery 3 years, per councilIf missedFine up to £50,000 and a Rent Penalty Notice
Each row names the statute it comes from and the date it falls due. Tap one for the consequence of missing it.
The owners
Portfolio value£1,987,000+16.2% vs purchase
Monthly cash flow£7,900after mortgage + costs
Occupancy92%23 of 25 occupied
Portfolio LTV60%£1,189,400 debt
Switch between your personal holdings and your companies, or see everything at once. Every figure follows the owner you pick.
Stop working it out yourself.
Most portfolios run on a spreadsheet and an accounting tool. Both hold figures. Neither helps you run your business.
SpreadsheetAccounting toolLar
What needs attentionNot shownNot shownA ranked list, with the reason on each row
Compliance datesTracked by handNot coveredThe rule, the deadline and the certificate on every row
MortgagesBalances, if you update themBalancesFix-end dates, what SVR costs, cover at the stress rate
Companies and SPVsOne sheet per companyOne set of books per companyOne owner picker. Every figure and date follows it
Year endRebuilt each yearA transaction exportAn export pack your accountant can work from
What needs attention
A spreadsheet leaves you to work it out. Lar gives you a ranked list, with the reason on each row.
Compliance dates
A spreadsheet tracks them by hand. Lar shows the rule, the deadline and the certificate on every row.
Mortgages
A spreadsheet holds balances, if you update them. Lar shows fix-end dates, what the revert rate costs and cover at the stress rate.
Companies and SPVs
A spreadsheet means one sheet per company. Lar has one owner picker, and every figure and date follows it.
Year end
A spreadsheet is rebuilt every year. Lar gives your accountant an export pack to work from.
Start from the documents you already have.
Start with what you already have. Drop your property documents and Lar builds the dashboard from them, in two to ten minutes depending on the size of your portfolio.
Four ways in. Drop your property documents and Lar builds the dashboard from them, in about ten minutes.
Prefer another way in? Upload one property's pack, import a spreadsheet, or type it in.
Everything you upload is encrypted, properly segregated, stored in the EU, and yours to export at any time.
Start here
Set up your portfolio
Drop your property documents and Lar builds the records for you. Deadlines watched, mortgages tracked, moves ranked.
Everything you upload is encrypted, properly segregated, stored in the EU, and yours to export at any time.
Bring your portfolio in before you pay.
In the example portfolio, one fixed rate ending costs £2,401 a year. Starter costs £228.
Starter
Up to 10 rental units
£19/mo£228 billed annually
£228 billed annually
You plus your accountantCompliance calendar and remindersMortgage trackingDocument extraction and storageAccountant export pack
You plus your accountant, compliance calendar and reminders, mortgage tracking, document extraction, accountant export pack.
ProOur recommendation
Up to 40 rental units
£39/mo£468 billed annually
£468 billed annually
Team seats and permissionsEntity-level reportingFull audit trailEverything in Starter
Everything in Starter, plus team seats and permissions, entity-level reporting and a full audit trail.
Scale
Up to 100 rental units
£79/mo£948 billed annually
£948 billed annually
VIP onboarding from your recordsOver 100 units, £0.75 per unit a monthEverything in Pro
Everything in Pro, plus VIP onboarding from your records, and £0.75 per unit a month over 100.
Start your portfolioThe price you see is the price you pay. Unlimited entities and a free accountant seat on every plan. Your card is taken when you choose a plan; 7 days free, then billing from day 8 unless you cancel. Full pricing
1Refinance 988 Cathcart Road before the fix ends988 Cathcart Road · Fixed rate ends in 59 days£2,401
2Chase £950 of arrears905 Park Terrace · £950 in arrears£950
3Line up the next tenant914 Great Northern Road · Tenant leaving£575/mo
Who is Lar for?
Landlords managing several properties, personally or through companies, who want one place that says what needs doing and why.
Does it work outside Scotland?
The portfolio and financial tools work across the UK today. Compliance covers Scotland, with the rest of the UK next.
Does Lar replace my accountant?
No. It gives them clean, property-level records and an export pack, and a free seat to see them.
It costs more than a spreadsheet.
It does. In the example portfolio, one fixed rate ending unnoticed costs £2,401 a year. Starter costs £228.
What counts as a unit?
A flat or house is one unit. An HMO room is one unit.
When do you charge me?
Creating an account and adding your first few properties is free. When you choose a plan we take your card and the first 7 days are free, so the rest of your portfolio comes in before you pay anything. Billing begins on day 8. Cancel before then and you pay nothing.
Can I bring my data from a spreadsheet?
Yes. Import it, drop your documents, or type it in. On Pro and Scale we can bring it across for you.
Is my data secure?
Your records are isolated, encrypted in transit and at rest, and stored in the EU. Export them whenever you need to.
Who is behind Lar?
Rowan Stone, a Scottish landlord who built Lar for the portfolio he runs himself. If something isn't working for you, you can speak to the person building it: hello@uselar.com.
Free guides.
Two references we keep current, whether or not you use Lar. Both are written for Scotland.