SYND.Essex Lettings

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Free tools

Free landlord tools

Ten tools for landlords in Harlow and Chelmsford. Free to use, no sign-up needed. If you want a result emailed to you, leave your address and nothing else.

Rent estimateWhat your home should let for, from official local rents.Compliance checkerGas, EICR, EPC, deposit and Renters' Rights dates in one list.Section 24 tax estimateWhat mortgage interest rules do to your tax bill.Rental yield calculatorGross and net yield on any property.Agent fee comparisonA year with SYND against a typical high-street fee.Rent review plannerWhen you can next raise the rent, and the notice date.Tenant affordabilityThe income a tenant needs to pass referencing.Empty-month costWhat a week without a tenant really costs.Landlord checklistsMove-in, yearly and move-out lists you can tick off.Area rent dataAverage rents by bedrooms in Harlow and Chelmsford.

Compliance checker

Are your certificates and paperwork in date?

Enter the dates you have. The checker works out what is due, what is overdue and what the Renters' Rights Act now expects.

Gas safety is due every 12 months, an EICR every five years and an EPC every ten. A let home needs an EPC rating of E or better.

Tick what is done

    Example dates are filled in. Change them to your own.

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    Section 24 tax estimate

    What mortgage interest rules do to your tax

    Individual landlords cannot deduct mortgage interest from rental profit. Instead they get a tax credit of 20% of the interest. Higher-rate taxpayers feel the difference most.

    2026/27 bands for England: personal allowance £12,570, basic rate to £50,270, higher rate to £125,140. Rates on property income are due to rise by two points from April 2027. This is a simplified estimate, not tax advice. It ignores carried-forward interest and some limits on the credit, so check with your accountant.

    Agent fees, insurance, repairs, certificates
    Salary or pension before tax
    Rental profit before interest
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    Tax on rental profit
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    Less 20% interest credit
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    Tax to pay on the rent
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    If interest were fully deductible
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    Extra tax from Section 24
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    Rent review planner

    When can you next raise the rent?

    Under the Renters' Rights Act rent can rise once a year through a section 13 notice, giving the tenant at least two months' notice. The new rent can start no sooner than 52 weeks after the last increase, at the start of a rent period.

    Not sure? Use the rent estimate.
    Earliest new rent can start
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    Serve the notice by
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    Gap to market rent
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    Extra rent a year at market
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    The rent review, with the market check and the notice, is included in SYND full management. With tenant find only it costs £75.

    Tenant affordability

    What income does a tenant need?

    Most referencing asks for a yearly income of 30 times the monthly rent, or 36 times for a guarantor. Tenants can use this too.

    Tenant income needed a year
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    Guarantor income needed a year
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    Joint tenants, each (two people)
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    Highest rent that passes
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    Empty-month cost

    What a week without a tenant costs

    Lost rent is only part of it. Council tax, utilities and the mortgage keep running while the home is empty.

    Lost rent
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    Running costs
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    Total cost of the empty period
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    Landlord checklists

    Tick them off as you go

    Your ticks are saved in this browser, so you can come back to them.

    Before a tenant moves in

    Every year

    When a tenant leaves

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