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Propterminal manages 2 data types, including subscribers. Helps you organise, track, and share your work in 1 place for teams and solo users.

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Market Research

From broad market to area to postcode — drill down one step at a time.

01 · Find an area

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04 · Analysis

Education Hub

Learn how property investing actually works — every strategy, end to end, for free.

Ask anything, anytime

A free AI assistant explains any strategy in plain English and answers your follow-up questions.

Start-to-finish playbooks

Every strategy broken into clear steps — from finding a deal to exiting and paying the right tax.

Real numbers & charts

Worked examples, profit breakdowns and pie/bar charts show exactly how the money is made.

Avoid the costly mistakes

Each guide flags the pitfalls that catch out most investors, so you learn from others, not your wallet.

Ask the Strategy Assistant

Type any question below — like "how does BRRR work?" or "should I buy in a company?" — and get a clear, step-by-step answer that links to the full guide.

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Step-by-step strategy guides

Each guide walks you through one strategy from beginning to end — with worked examples, charts showing how the money is made, and the pitfalls to avoid.

Buy-to-Let 11 min read

How to Do Buy-to-Let: The Complete Start-to-Finish Process

The complete buy-to-let process end to end: set your goal, finance it (25% deposit, interest-only, ICR stress test), pick a high-yield area, appraise net cashflow after Section 24, buy, make it compliant, let it, then remortgage or sell. Includes a worked £150k deal, a rent-vs-costs breakdown, and the mistakes that quietly turn a "good yield" into a loss.

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HMO 12 min read

How to Do an HMO: The Complete Start-to-Finish Process

The full HMO process: check licensing and Article 4 before you buy, finance with a specialist mortgage, appraise room-by-room income, convert to council fire-safety standards, licence it, then let rooms individually for far higher yield. Includes a 5-bed worked example showing HMO income vs a single let, the higher running costs, and the compliance traps that get landlords fined.

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BRRR 12 min read

How to Do BRRR: Buy, Refurbish, Rent, Refinance — Start to Finish

The full Buy, Refurbish, Rent, Refinance cycle: buy below value with cash or bridging, force the value up with a controlled refurb, let it, then remortgage at up to 75% of the new (GDV) value to pull your deposit and refurb money back out and recycle it. Includes the exact "money left in" calculation, a before/after value chart, and why an over-optimistic GDV is what sinks most BRRR deals.

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Serviced Accommodation 11 min read

How to Do Serviced Accommodation & Short-Lets: Start to Finish

The full serviced accommodation / short-let process: confirm the lease, planning and mortgage even allow it, pick a high-demand location, model nightly rate × occupancy honestly, furnish to hotel standard, list on Airbnb/Booking.com with dynamic pricing, then run it as a hospitality business. Includes an occupancy-based revenue example vs a standard let, the cost stack, and the demand/regulation traps that catch new operators.

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Commercial 12 min read

How to Do Commercial Property Investment: Start to Finish

The full commercial process: understand how commercial differs (long FRI leases, tenant pays repairs, valued on yield, higher void risk, cheaper SDLT), assess tenant covenant strength and WAULT, arrange relationship-driven finance, appraise on net yield, do heavy due diligence (VAT, rates, contamination), then manage the lease events. Includes a worked "value = income ÷ yield" example showing how a small rent rise creates a large capital gain.

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Flip & Development 12 min read

How to Do a Flip or Small Development: Start to Finish

The full buy-to-sell and small development process: treat it as a business, set a minimum profit margin, find a real gap between total cost and end value (GDV), fund it with bridging/development finance, resolve planning, run the build to budget and timeline, then sell for a lump sum taxed as income. Includes a residual-valuation example showing the maximum you can pay, a profit breakdown chart, and the cost/time traps that erase margin.

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Ownership Structure 8 min read

Personal vs Limited Company: How to Choose and Set It Up

How to decide between owning property personally or through a limited company (SPV): understand why Section 24 changed everything, weigh the trade-offs (full interest relief and reinvestment vs double tax and admin), decide based on your tax band and goals, then set up the SPV correctly. Includes a side-by-side tax comparison for a higher-rate landlord showing how much Section 24 really costs.

Read guide

New to the jargon? Start with the GlossaryEvery key property term — yield, GDV, Section 24, EPC and more — explained in plain English.

Understand the tax on each strategy

Every deal type is taxed differently. See how SDLT, Section 24, VAT and CGT apply.

Buy-to-Let tax HMO tax BRR / BRRR tax Development / Flip (GDV) tax Airbnb / Serviced Accommodation tax Commercial tax

Full Tax Intelligence hub

Research Tools are free

Strategies, legal guidance, financing notes and risk research are available to all users. AI deep-dives use 1 credit per response on every plan, while Deal Intelligence and My Assets stay Pro features.