Introducing Lar.
Why I built it, what it does today, and what it doesn't do yet.
I built Lar because the important facts about a property portfolio never sit in one place.
The rent is in a spreadsheet. The certificates are in a folder. The mortgage fix-end date is buried in an email from two years ago. Your accountant has another copy of the numbers, and the one date you really can't afford to miss is in a calendar somewhere. Each of those tools does its own job fine. None of them tells you what the portfolio needs from you today. You're the thing joining it all together, and that's the job I wanted rid of.
What Lar does today
Every property gets one record: who owns it, the mortgage, the tenancy, the money, the documents and where it stands on compliance. Lar turns those records into a short list of things that actually need you, ranked by what they'll cost you if you leave them.
Say a gas safety certificate is coming up. Lar keeps it on the list and tells you why the date matters. When the new certificate arrives you drop it onto the property, Lar reads the details, you check them, and the next date is set. Rent overdue? Lar drafts the reminder from the tenancy record, you read it before it goes, and the send is logged.
It does the same for mortgages: fix-end dates, what the SVR would cost you, cover at the stress rate, all next to the property they belong to.
The idea is simple. Open the dashboard, see what needs a decision, and make it while the numbers are in front of you.
Why the legal owner comes first
Most portfolios are a mix. Some property in your own name, some in a company, maybe a partnership. Lumping it all into one total looks tidy, but your accountant, your lender and Companies House don't see it that way, and the software shouldn't either. Lar keeps every property under the right owner. You can still look at the whole portfolio in one view. You just never lose which entity sits behind a mortgage, a transaction or a document.
Why compliance starts with Scotland
Scotland has its own tenancy law, landlord registration, the Repairing Standard and its own licensing rules. A generic UK checklist will get a Scottish landlord into trouble. We're a Scottish company, so we started at home, and we went back to the legislation and the official guidance rather than someone else's summary. Every rule in Lar carries its legal status and the date it takes effect, so a proposal never shows up as something you owe today.
The portfolio and mortgage tools work wherever you let. Compliance is live for Scotland now. England and Wales are next, and if you're somewhere else you can ask for your region from inside the app.
Where MTD comes in
Making Tax Digital for Income Tax started on 6 April 2026 if your property and sole-trader income was over £50,000 in the relevant earlier tax year. From April 2027 that drops to £30,000, which pulls in a lot of landlords with a handful of properties.
Just to be clear, Lar doesn't file anything with HMRC and it isn't trying to be your accountant. It keeps the records by property, by owner and by quarter, and hands your accountant an export with income and expenses, transactions, mortgages and compliance status already in order. Clean records are what turn the quarterly updates into a non-event.
Useful without an account
Two things on this site are free and need no account. The Scottish compliance calendar covers the nine duties, how often each renews and what a missed one costs. The MTD reference covers the thresholds, the quarterly updates and where limited companies stand. There's no form between you and the answer. If that's all you need from us, take it.
Try it with your own records
Lar is live. Create an account, stick your first three properties in and have a proper look around. Nothing is charged for that. When you want the rest of the portfolio in, pick the plan that fits it. Every plan is free for its first 7 days and billing starts on day 8, so if it isn't for you, cancel before then and you pay nothing. Your accountant can join your portfolio without a seat of their own to pay for.
If the action list turns out to be more useful than another blank dashboard, I'd like to hear about it. If it isn't, I'd like to hear that even more. hello@uselar.com.
Put one real property through Lar.
See whether the action list is more useful than another blank dashboard.