STAGE 1 · DEMO ONLY · England private rules only; other scopes need review · No real tenant data
Sapphire / Landlord Workspace
Landlord Workspace
Landlord guidesFictional records only. Changes reset on refresh. Real data, file uploads and tenant access are disabled pending secure sign-in and per-property permissions. No legal compliance is certified.
Demo · hypothetical · not advice
Sell or keep?
Hypothetical comparison using figures you enter. It is not a valuation, not personalised financial, mortgage or tax advice, and does not know current market value, law or tax rates. Any CGT figure is your own estimate — the app does not calculate tax. Speak to a regulated adviser, RICS valuer and accountant before deciding.
Related: Financial history · Profitability · Portfolio map. Sample figures are fictional — replace them with your own.
Holding cash flow per year (pre-tax, your figures): £2,861.54 (rent after voids £10,961.54, interest £5,400.00, management £0.00).
5-year net position by valuation range
| Assumed value | Sell now | Hold 5y | Refurbish & hold |
|---|---|---|---|
| low (£180,000.00) | £56,400.00 | £89,067.55 | £86,769.53 |
| base (£195,000.00) | £71,100.00 | £105,297.54 | £103,811.02 |
| high (£210,000.00) | £85,800.00 | £121,527.53 | £120,852.51 |
Net cash after sale costs, mortgage, early repayment charge (sell-now only) and your CGT estimate, plus undiscounted cash flow. Ignores income tax, inflation and reinvestment returns.
Sensitivity to growth (base value)
| Growth % / yr | Sell now | Hold | Refurbish |
|---|---|---|---|
| -2% | £71,100.00 | £67,046.97 | £63,647.91 |
| 0% | £71,100.00 | £85,407.70 | £82,926.69 |
| 2% | £71,100.00 | £105,297.54 | £103,811.02 |
| 4% | £71,100.00 | £126,810.07 | £126,399.18 |
Break-even: holding matches selling now at about -1.54% annual growth under these assumptions.
Non-financial factors
Regulatory uncertainty (e.g. tenancy reform, energy standards) — check current official guidance
Your time and effort managing the property
Current tenant’s needs and notice obligations
Concentration and borrowing risk
Personal circumstances and goals
Settings & help
Local demo only; not monitored. For urgent property concerns, use the existing emergency guidance, not feedback.