Property Portfolio Management Software · UK
Run every SPV, loan and tenancy from one workspace.
CJ Portfolio is property portfolio management software for UK landlords, family offices and SPV groups. Import from Excel, track refinance risk, MEES exposure and rent roll, and get an AI analyst on your whole book.
What it is
Property portfolio management software built for leveraged UK owners.
CJ Portfolio is a multi-SPV portfolio dashboard built for property owners with five, fifty or five hundred assets across multiple companies. Bring your existing Excel files in once, and from then on you can see refinance risk, covenant headroom, rent roll and MEES exposure across every portfolio — or just one.
Inside the platform
Built around how leveraged owners actually run a book.
Multi-portfolio aggregate
Roll every SPV up into one view — GAV, NAV, LTV, yield, occupancy — or drill into a single portfolio. Include or exclude any SPV from the aggregate in one click.
Refinance & covenants
Maturity wall, weighted average rate, LTV and ICR headroom by loan. Kanban-style refinance pipeline so nothing slips through the next 24 months.
Rent roll & reconciliation
Tenancies, reviews, breaks and arrears across every asset. Reconcile actual receipts to expected rent and spot tenant concentration before it bites.
MEES & EPC compliance
Heatmap of EPC ratings across the portfolio, with sub-E exposure highlighted against the 2027 and 2030 MEES deadlines.
AI portfolio analyst
On-demand commentary across the whole book — refinance risk, yield gaps, tenant concentration, ESG exposure. Plain English, with the numbers it cited.
Tenant watch
Companies House signals on your tenants — filings, charges, officer changes — so covenant deterioration shows up early, not at the next rent date.
A peek inside
A seven-screen tour of what you'll see after you log in.
Aggregate dashboard, rent roll analytics, covenants, ESG, performance and the AI analyst — populated with illustrative numbers from a four-SPV portfolio.
All portfolios · 3 included
Aggregate overview
GAV
£48.2m
NAV
£19.6m
LTV
59.3%
Net yield
5.8%
Occupancy
94%
WAULT
6.2 yrs
Debt maturity wall (£m)
£8.4m maturing 2027 — flagged for refinance review.
GAV by sector
Portfolios included
- ✓Mayfair Holdings Ltd
- ✓CJ Industrial No.2 LP
- ✓Thameside Resi SPV
- Northgate Retail Ltd
Untick a portfolio to exclude it from every aggregate screen.
All portfolios · rent roll
Unified tenancies
23 tenancies · £3.41m passing rent
| Asset | Unit | Tenant | Portfolio | Rent (pa) | Next review | Break |
|---|---|---|---|---|---|---|
| 12 Hanover Square | 3rd floor | Allen & Overy LLP | Mayfair | £284,000 | Mar 2026 · 90d | — |
| Kingsland Industrial | Unit B | DPD Group UK Ltd | Industrial No.2 | £162,500 | — | Sep 2026 · 6 mo |
| 12 Hanover Square | Ground | Pret A Manger | Mayfair | £96,000 | Jun 2027 | — |
| Thameside Wharf | Apt 4B | Private AST | Thameside | £42,000 | Annual | — |
| Old Street Workspace | Floors 2–4 | WeWork Cos Inc. | Mayfair | £610,000 | Jan 2028 | — |
| Northgate Centre | Unit 7 | Boots UK Ltd | Northgate | £88,400 | — | — |
Rent analytics
Concentration & expiry profile
WAULT 6.2 yrs
Rent by sector
- Office54%
- Industrial21%
- Resi13%
- Retail9%
- Mixed3%
Top 5 tenants · % of rent
Single-tenant cap (15%) breached by Allen & Overy.
Lease expiry profile
36% of income expires 5–10 yrs out.
Covenant headroom
5 loans · live tracking
£18.9m outstanding
| Lender | Outstanding | LTV vs cap | ICR vs floor |
|---|---|---|---|
| NatWest | £6.2m | 58% / 65% | 1.78x / 1.25x |
| Aviva | £4.8m | 61% / 70% | 1.62x / 1.40x |
| Lloyds | £3.4m | 64% / 70% | 1.32x / 1.25x |
| M&G | £2.9m | 52% / 65% | 2.04x / 1.50x |
| Shawbrook | £1.6m | 49% / 70% | 1.91x / 1.30x |
Headroom recalculated weekly from valuations and rent roll. Lloyds flagged: 0.07x of ICR headroom.
EPC & MEES
Distribution across 23 assets
Refreshed nightly
EPC band distribution
MEES deadline timeline
MEES exposure
Sub-E assets
2
of 23
CapEx to compliant
£42k
vs £180k avg
GAV at risk
4.1%
by 2027 ban
24-month trend
GAV vs NAV
Total return 12-mo
+6.8%
Income return
+5.1%
Capital return
+1.7%
AI portfolio analyst · generated 09:42
Three things worth your attention this week.
Refinance risk concentrated in 2027. £8.4m of debt — across the Mayfair and Industrial No.2 portfolios — rolls off fixed inside 14 months. At today's swap rates, blended cost of debt would step up roughly 180bps, compressing portfolio ICR from 1.62x to about 1.31x. Worth starting term-sheet conversations in Q1 rather than Q3.
Tenant concentration ticking up. Allen & Overy now contributes 18.4% of aggregate rent following the Hanover Square reletting. Covenant remains strong (A- equivalent), but you are above the 15% single-tenant threshold flagged in the IFA brief.
MEES exposure: two assets. Northgate Unit 7 (E) and Thameside Wharf Apt 2A (F) are within scope of the 2027 sub-E ban. Indicative CapEx to reach C: £42k combined. Lower-cost than the £180k average across your historic upgrades.
Suggested next step: open the refinance kanban and triage the three 2027 loans by ICR headroom.
Generated from 3 portfolios · 23 assets · 11 loans
How it works
From spreadsheet to AI analyst in under an hour.
Step 01
Upload your Excel
Drag in your existing asset, loan and tenancy spreadsheets. No template required.
Step 02
AI maps your columns
Lovable AI matches your headers to the schema, flags anything ambiguous and lets you confirm before anything is written.
Step 03
Track, share, ask
Live dashboards, shareable tear sheets, and an AI analyst you can ask anything across one SPV or every SPV at once.
Who it's for
Owners, family offices, and the advisors who serve them.
- Leveraged landlords. Multiple loans, multiple SPVs, one place to see what is actually happening across the book.
- Family offices. Aggregate exposure across vehicles and generations, with shareable tear sheets for principals and trustees.
- SPV groups. Per-SPV dashboards with a portfolio-wide roll-up that respects company boundaries.
- IFAs & advisors. Invited as read-only members on the portfolios your clients choose to share — never the rest.
Data & security
Your portfolio data stays yours.
Every portfolio is isolated by row-level security tied to your account. Copping Joyce staff cannot read client portfolio data, and nothing you upload is used to train third-party AI models. Members you invite see only the portfolios you share with them — and only for as long as you keep them invited.
Questions
Frequently asked.
- What is the best property portfolio management software for UK landlords?
- The right software depends on portfolio size and structure. CJ Portfolio is built specifically for UK landlords and investors with multiple SPVs, mixed asset types and leveraged capital structures — covering rent tracking, loan covenants, MEES/EPC compliance, tenant covenant risk and portfolio-wide reporting in one place.
- Can it track a portfolio held across multiple SPVs or companies?
- Yes. Every SPV or holding company is a separate portfolio with its own dashboard. A portfolio-wide aggregate rolls them all up — GAV, NAV, LTV, yield, occupancy, WAULT — while respecting company boundaries. You can include or exclude any SPV from the aggregate with one click.
- Do I have to re-key my existing spreadsheets?
- No. Upload your existing Excel files for assets, loans and tenancies. AI maps your columns to the platform schema and flags anything ambiguous before importing. Most portfolios are live within an hour.
- How does it help with MEES and EPC compliance?
- There's a heatmap of EPC ratings across every asset, with sub-E exposure highlighted against the 2027 and 2030 MEES deadlines. You can see percentage of GAV at risk and estimated CapEx to bring assets compliant.
- Does it track loan covenants and refinance risk?
- Yes — every loan shows live LTV vs cap and ICR vs floor, with headroom recalculated from current valuations and rent roll. A maturity wall chart and Kanban-style refinance pipeline surface loans maturing in the next 24 months.
- Can I share it with my accountant, IFA or lender?
- Yes. Invite advisors as read-only members on the portfolios you choose to share — never the rest. Shareable tear sheets can also be sent to principals, trustees or lenders with a signed link.
- Is my portfolio data private?
- Yes. Every portfolio is isolated by row-level security tied to your account. Copping Joyce staff cannot read client portfolio data, and nothing you upload is used to train third-party AI models.
- How much does it cost?
- The platform is currently free to existing Copping Joyce clients during the rollout. Contact us if you would like access.
Ready when you are