Where Stead is going.

Property setup with EPC auto lookup Live

Onboarding pulls real EPC data straight from the relevant national register, fills in your property profile, and stores the official certificate as a PDF in your private vault.

• Six step onboarding wizard with postcode address search
• Direct EPC lookup with the full certificate stored
• Property Report showing rating, costs, fabric efficiency and recommendations
• Editable home profile, certificate rescan, expired-cert handling, auto-created renewal task

Maintenance, documents and rooms Live

The everyday admin layer. Track tasks with smart recurrence, store certificates with expiry warnings, log appliances per room.

• 17 UK essential maintenance presets plus unlimited custom tasks
• Click to edit, undo, recurrence from daily through to yearly
• Over 80 document categories with amber and red expiry alerts
• File upload for PDFs and images, preview and download
• Ten room presets with appliance management
• An appliances-to-watch card flags appliances at or past their typical service life from the purchase dates you've recorded — including the firm replace-by on smoke and CO alarms

Smart diagnostics with property context Live

Multi-turn troubleshooting that knows your boiler, your walls and which mode you're in. Renter mode flags landlord responsibilities for you.

• Multi-turn chat with full conversation history that persists
• Property profile passed in the background, no repeating yourself
• Attach a photo of the problem on the web app
• Streamed responses for a real-time feel

Dashboard with health ring Live

A single screen for what needs attention today, with quick-done task rows and the sub-screens for everything else.

• Upcoming and overdue task rows with quick done
• Mini stats for rooms, overdue tasks, documents, EPC
• Notification tray showing what needs attention
• Sub-screens for Energy, Documents, Emergency, Moving, Property Report, Rights, Obligations

Floorplan editor Live

A real plan tool inside the app: drag rooms, snap them together, add stairs, windows and doors, and reshape rooms with polygon mode for L-shapes and bays.

• Proper outer and shared wall widths; stairs, windows and doors as snap-aware objects
• Polygon rooms for non-rectangular layouts; resize, rotate, drag any vertex
• Saves to a PDF in your documents on every change
• Shared floorplans across users at the same address

Energy, emergency and moving toolkit Live

Bills with tailored insights, UK emergency guides, and a complete moving-home toolkit with area research and a viewing-questions library.

• Energy overview with your EPC fabric breakdown and provider tracking
• Built-in upgrade-payback and tariff-switch calculators on the Energy screen, plus an appliance running-cost estimate that ranks the appliances you've logged in Rooms by what they cost to run a year
• UK emergency guides and your own emergency contacts, an insurance-claim evidence-pack builder, a contents valuation you can save as a register to set the right cover and spot under-insurance, and a buildings rebuild-cost estimator (owners and landlords) that works out the right buildings sum insured from your home's size, type, age and region — the rebuild cost, not the market value people wrongly insure for
• A complete moving-home toolkit, tailored to renting or buying: a mode-aware moving checklist (with a first-time-buyer journey for renters), area research, a viewing-questions library, and a Buying tab of calculators — mortgage repayments, how much you can borrow, a deposit savings goal, the total cash to buy, stamp duty, loan-to-value, rent vs buy, and what you'll walk away with from selling your current home, plus a cost-of-moving estimate for sellers (estate agent fee, conveyancing, EPC and removals, prefilled from your home's value) and a who-to-tell-when-you-move address-change checklist (council, HMRC, driving licence and logbook, GP, bank, insurers, pet microchip and more) with official links and the legal-duty ones flagged

Renter rights and landlord obligations Live

Structured, jurisdiction-aware guides covering safety, deposits, repairs, notices, licensing, energy and tax, with an Ask Stead button on every section and a monthly drift detector keeping guidance current.

Push and email notifications Live

Real reminders for maintenance, document expiry and EPC renewals, plus a digest, with per-category delivery toggles and snooze/dismiss. Reminders deep-link straight to the right screen.

Key dates timeline Live

One chronological view of everything dated for your home, soonest first, so nothing creeps up on you. Bucketed by Overdue, Next 30 days, Next 3 months and Later, with a tap through to manage each one.

• Pulls together task due dates, document and EPC expiries, your tenancy end, appliance warranties and service-due dates, and your money renewals (mortgage deal, home insurance, energy tariff, broadband and mobile)
• Reached from a Key dates card under the dashboard health rings — the look-ahead companion to the rings, which show what needs attention right now

Bin collection reminders Live

Never miss putting the bins out: record each bin's colour, how often it's collected and one date you know it's due, and your dashboard shows the next collection with a put-them-out-tonight nudge.

• Add a row per bin (general waste, recycling, food, garden, glass…) with its frequency — weekly, fortnightly or every four weeks — and Stead works out every future collection from one known date.
• A Bin day card on the dashboard leads with the next collection and the bins due, highlighted the night before so they actually make it to the kerb.
• An in-app reminder rather than an email or push, so it never spams you. Update the dates yourself whenever your council changes them.

Settling into your new home Live

Just moved in? A first-weeks setup checklist that ticks off what Stead already knows and walks you through the rest, with a one-tap Go to wherever each job gets done.

• Grouped jobs for the first few weeks: find your stopcock, meters and fuse box; take opening meter readings; tell the energy supplier and council you've moved in; sort broadband, contents and buildings insurance; learn your bin days; add your rooms and appliances; test the alarms; tell everyone your new address; register with a GP.
• The smart part: items auto-tick from the data Stead already holds (meter readings logged, bin schedule set, council tax and insurance recorded, key locations filled, rooms added, key documents saved), so you only check off what it genuinely can't know.
• On Moving Home → Checklist for whoever lives there (home owners and renters, and a landlord on a home they live in). Hide it once you're settled.

Leaving your home Live

Moving out? An end-of-move checklist that organises the jobs in order — and for renters, the ones that get your deposit back — with a one-tap Go to wherever each gets done.

• Adapts to who you are: renters get an end-of-tenancy 'get your deposit back' checklist (give notice in writing, find your check-in inventory, deep clean, take dated photos, ask for the deposit back, final meter readings, who to tell, return the keys); home owners get a moving-out checklist (handover pack, gather the manuals and keys to leave, move your services and insurance, who to tell, completion-day jobs); landlords get a tenant-moving-out checklist (check-out against the inventory, return the deposit, then prepare to re-let).
• A few items auto-tick from what Stead already holds — a check-in inventory on file, a deposit on record, a recent meter reading — and the rest are yours to check off, with an optional move-out date for a countdown.
• On Moving Home → Checklist, for every mode. The moving-out companion to the settling-in checklist.

Seasonal and tailored maintenance tips Live

Month-driven home-care prompts and a suggested maintenance schedule tailored to your property age, type, heating and fabric. Add any suggestion as a task or ask the assistant about it.

Household bills and renewal reminders Live

Stop overpaying: one place to see your biggest household costs and get reminded — at the moment you can actually act — before each contract renews.

• Your home running costs: a breakdown of rent or energy, council tax, insurance, broadband, mobile and your TV Licence from the figures you've logged, with the biggest line flagged and where to trim it.
• Renewal reminders timed to when switching pays off: remortgage (around six months before), home insurance (about three weeks), a fixed energy tariff (the 49-day no-exit-fee window), broadband and mobile contracts (30 days), and your annual TV Licence (with a prompt to check you still need one before it auto-renews).
• Quick checks from data you already have: a council-tax single-person and disregard discount check, and a water-meter would-it-save-me check.
• An upcoming-renewals overview gathers every recorded renewal into one soonest-first list.

Service history and trades log Live

Every maintenance task keeps its own history: what was done, by whom, when and what it cost. Your home builds its own service record over time.

• A per-task log of work carried out — date, what was done, the tradesperson and what it cost — with a running total and an all-tasks service-history view.
• A 'My tradespeople' directory built from that log: everyone who's done work for you, with their number to tap and call, how many jobs they've done and what you've spent — so you never lose a good plumber's number again.
• For owners, a maintenance budget read on the Tasks tab: the standard UK rule of thumb (about 1% of your home's value a year, adjusted for age) turned into a monthly set-aside, compared against what you've actually logged in the last twelve months.

Inline guidance and disclaimers Live

Stead points you to the right UK professional for anything that needs one — naming Gas Safe, Part P, NICEIC, Shelter, Citizens Advice and chartered surveyors where relevant.

Profile picture Live

Add a profile picture to your account from the Account screen — tap the avatar to upload, replace or remove it.

Accessibility settings Live

Per-device accessibility controls under Account: a text-size multiplier that scales text, icons and spacing together on top of your OS font setting, and a high-contrast theme for both light and dark modes.

Document search Live

Find any certificate in seconds: a global search across every document plus a name, category and notes search with category filters on the Documents screen.

• Live: global search (the header search sheet indexes documents) and per-screen name / category / notes search with category-chip filters.
• Still to come: text extraction (OCR) from scans so expiry dates fill themselves in — tracked under Camera document scanning.

Custom room types Live

Create your own room types beyond the presets, for spaces the standard list doesn't cover. Type any custom name in the room picker — symbol applies automatically, tap to change.

Energy trend insights Live

As bills accumulate, your actual spending trends feed the advice engine for sharper, less generic guidance.

• Energy → Bills now shows a trends card: a run-rate projection of your annual spend, whether you're up or down on the previous period, the fuel moving most, and a year-on-year comparison once there's enough history.
• Built from the bills you've already logged — no smart-meter link needed, and the trend now also sharpens the in-app energy advice. Still to come: live smart-meter usage.

Property value tracker Live

Log estimated values over time and watch how your home's worth — and the slice of it you actually own — moves. Owner-occupiers finally get a money surface of their own.

• On Moving → Buying → "Already own?": record an estimate whenever you get one (a portal figure, an agent's appraisal, a mortgage valuation or your own), and see the latest value, the change over time and an annualised growth rate.
• Add what you still owe to see your equity and loan-to-value, with a negative-equity warning if you owe more than it's worth.
• The recorded value and balance prefill the "What you'll walk away with" sale-proceeds calculator.
• Alongside it, a home improvements log: record what you spend on the property, tagged capital improvement (adds to the base cost and cuts Capital Gains Tax at sale) or repair/upkeep, with the totals split out and a copy/share record for your accountant. Still to come: an automatic value estimate from public sold-price data.

Insurance claim helper Live

Turn an incident into a dated evidence pack for your insurer, with a checklist of the proof they'll ask for — pre-filled with your property details.

• Opened from the Emergency screen: pick the cover type and cause, record what happened, list the damaged or lost items with estimated values (with a running total), and note the action you've already taken.
• Generates a tidy dated record plus a cause-tailored evidence checklist (photos before repairs, proof of ownership, crime reference for theft, plumber's report for escape of water…), filed into Documents under Insurance.
• Still to come: in-app photo capture attached straight to the claim pack.

Carbon footprint monitoring Live

Track home emissions from your actual energy data, with recommendations weighted by carbon as well as cost.

• Energy → Bills now shows a carbon footprint card: a rough annual CO₂e estimate from the electricity and gas bills you've already logged, split by fuel, compared to a typical UK home, with everyday equivalents (trees, car miles).
• Estimated from your £ bills (converted to kWh at typical price-cap rates, then to CO₂e using the UK government's conversion factors). Still to come: carbon-weighted improvement recommendations and live smart-meter usage.

Solicitor and tradesperson document sharing Live

Time-bound, read-only links during conveyancing or repairs, expiring automatically so access is never permanent.

• Live: create a time-bound share link for any stored document (24 hours, 7 days or 30 days), copy or share it — the recipient needs no Stead account.
• Live: share a pack — bundle several documents (e.g. all the certs for a solicitor or a new tenant) into one message, each with its own expiring link.
• Still to come: an audit log of which documents were opened and when.

Key home documents checklist Live

The documents every owner should keep — title deeds, buildings insurance, mortgage, EPC, survey, building regs, warranties — checked against what you've saved.

• Live: a checklist on the Documents screen shows the key documents an owner should keep, which are saved in Stead, and their expiry status, flagging the ones (ownership proof, buildings insurance) you'd most miss in an emergency or a sale.
• Tap 'Add' on anything not saved yet to jump straight into uploading it with the right category already chosen.

Guarantees & workmanship register Live

The install guarantees you lose track of — a new boiler, a re-roof, damp-proofing, FENSA windows, solar — kept in one dated list with an at-a-glance status.

• On Moving → Buying → "Already own?": log each guarantee with who gave it, when the work was done, when it ends and the reference number — the kind you need years later when something fails, and a selling point when you move on.
• An at-a-glance status (in date / expiring soon / expired / lifetime) and a copy/share register for a claim or a buyer. Distinct from appliance warranties, which live on the appliance in Rooms.
• A "What's still covered" view brings both together — every live appliance warranty (from Rooms) and workmanship guarantee in one status-graded list, with the claim contact to hand and a one-tap reminder before any cover lapses.

Repair issue logging with timestamps Live

Put repair issues in writing and track them — a clean dated evidence trail if it ends up in a deposit dispute or court.

• A Repairs & issues log on the Your Rights screen: log each issue with its location, the date you reported it, how you reported it and an urgent (health/safety) flag.
• Track each one through reported → acknowledged → in progress → resolved, add dated chase/progress updates, and see how long it's stayed open — the longest-outstanding issues are flagged.
• It quotes your landlord's repairing duties for your nation, and open issues surface on your Key dates timeline. Copy or share the whole record as evidence. No landlord-tenant account link needed.
• Separately, the Report a repair letter builder drafts a dated notice of disrepair filed into Documents.
• Still to come: attaching dated photos to each issue.

Deposit deadline tracker Live

Paste your deposit-received date and get a countdown to the legal deposit-protection deadline, with a calendar reminder. Free at stead.space/deposit-deadline — covers England, Wales, Scotland and Northern Ireland.

Renter letters and dispute tools Live

Guided letter builders for the moments that matter, each pre-filled from your tenancy and nation-aware, filed straight into your documents as a dated record.

• Report a repair, then chase an ignored one (escalating to Environmental Health or the tribunal).
• Challenge a rent increase, ask your landlord for permission (pet, lodger, decorating), and complain about a letting agent to the right redress body.
• Give notice to end your tenancy, ask for your deposit back, and dispute proposed deposit deductions.
• Record the property's condition room by room at check-in (and check-out) — your dated evidence to get the deposit back.
• Built-in tenancy calculators: deposit cap (with an over/under-the-cap check), deposit-protection deadline and rent-increase comparison.
• An 'Is my deposit protected?' check: record whether it was protected in time, in which scheme, and whether you got the prescribed information — and see if you have a 1–3× compensation claim, with the over-the-cap excess flagged. A saved record, four-nation aware.

Tenancy document vault Live

Your AST, the How to Rent guide you were served, gas safety, EPC and deposit prescribed info — everything in one private place.

• Live: a tenancy-document checklist on the Your Rights screen shows the documents a tenant should have (agreement, deposit protection, inventory, gas safety, EPC, How to Rent, EICR), which are saved in Stead, and their expiry status.
• Flags the ones a valid Section 21 depends on, so you know if something's missing.
• Tap 'Add' on anything not saved yet to jump straight into uploading it with the right category already chosen.

Rent payment log Live

Keep your own dated record of the rent you've paid — your evidence for a deposit or arrears dispute, or a reference.

• On the Your Rights screen: log each payment (date, amount prefilled from your tenancy, optional method and note).
• See the total recorded, a per-year breakdown, roughly how many months it covers, and your latest payment.
• Copy or share a plain-text rent record whenever you need to produce one.

Setting up a new rental checklist Live

Taking on a new let? One ordered checklist of the legal must-dos before a tenant moves in — and Stead ticks off the certificates and records you've already filed.

• Grouped steps: the safety certificates (gas safety, EICR, EPC, legionella, smoke and CO alarms), the tenancy paperwork (a written agreement, the England Right to Rent check, the prescribed documents), protecting the deposit and serving the prescribed information, and the move-in jobs (a check-in inventory, council licensing, landlord insurance).
• Auto-ticks from what's on file: file a gas safety, EICR, EPC, deposit-protection or inventory record in Stead and it checks itself off, with a one-tap Go to add anything missing.
• On the Obligations screen for a landlord's let or empty property. A planning checklist, not legal advice — rules vary by nation and council.

Multi-property management Live

Add, rename, delete, switch between and manage compliance across every property in your portfolio under one account, with per-property scoping and notifications.

Tax-ready rental profit and loss Live

A per-property income and expense ledger with HMRC SA105-aligned categories, net-profit summary, and a tax-year or calendar-year view that aggregates across the portfolio.

Letting energy standards and band-C forecasting Live

Your Property Report shows the minimum-to-let standard and the proposed band-C target (flagged not-yet-law), with the EPC recommendations and indicative costs to get there. Jurisdiction-aware across the four nations.

Eviction notice draft generator Live

A guided possession-notice draft builder covering all four UK nations: Section 21 / Section 8 in England, Section 173 in Wales, Notice to Leave in Scotland and Notice to Quit in Northern Ireland. Jurisdiction-detected from the postcode, with prominent not-legal-advice framing, an earliest-possession-date suggestion and a PDF saved to your documents. Counsel review gates any live use.

Company details and logo Live

Store your letting business details — name, contact, correspondence address, company and VAT numbers — and upload a logo. They pre-fill your eviction-notice drafts and appear on your rental profit-and-loss reports.

Lettings paperwork and notices Live

A full set of guided document builders in Obligations -> Lettings tools, each pre-filled from the property and your company details and filed into your documents as a dated draft, under clear not-legal-advice framing.

• Starting a tenancy: nation-aware tenancy agreement, guarantor agreement, tenant vetting, tenant reference and a Right-to-Rent check record.
• Rent and payments: rent statement / receipt, rent-arrears letter and a four-nation rent-increase notice.
• During and ending the tenancy: notice to access, deposit-return statement and a tenancy renewal / extension offer.
• Built-in tenancy calculators (deposit cap, deposit deadline, rent increase) pre-filled from the property's tenancy.

Portfolio overview across all properties Live

An all-properties view: portfolio-level tasks, documents, compliance at a glance, and ask-the-assistant across everything, not just the active property.

• A dashboard-wide 'All properties' view: pick 'All properties' in the switcher for a portfolio overview with combined Tasks and Compliance rings, an aggregated to-do list tagged by property, quick links to the cross-property screens, and a per-property breakdown
• Portfolio compliance card under Account → Properties (Overdue tasks / Documents to renew / EPCs to renew, rolling up across the portfolio)
• Landlord dashboard health ring split into Tasks + Compliance
• Cross-portfolio tasks list on the Tasks tab with an 'All properties' toggle and a property chip on each task
• Cross-portfolio Documents list with the same 'All properties' toggle and per-row property chip
• Ask-the-assistant across the whole portfolio from the Tasks tab in all-properties mode
• Eviction notice screen carries the same property picker so a draft can be swapped onto another property without leaving the screen

Property inspection report generator Live

Build a dated check-in, mid-tenancy or check-out report room by room, pre-filled from your property's actual rooms, then file it with your documents.

• In-app builder in Landlord tools, pre-filled from the property's rooms
• Check-in / mid-tenancy / check-out types, per-room condition + notes, meter readings
• Files a copy into your Documents
• Still to come: in-app photo capture and PDF export

Section 24 tax optimiser and yield calculator Live

Restricted finance-cost impact, true return after tax band, voids and maintenance, with incorporation scenarios.

• Built into the app's Rental P&L: rental yield, Section 24 mortgage-interest impact, allowable expenses and payments-on-account calculators, each pre-filled from your own logged figures.
• Still to come: full incorporation (limited-company) comparison scenarios.

MTD-ready rental P&L export Live

Quarterly MTD-style summaries exported to bridging software (Hammock, FreeAgent, Xero). Stead feeds clean data in rather than trying to be the tax software itself.

• Export your rental P&L to CSV for tax software: a transactions table with SA105 box mapping, a summary, expenses-by-category and a standard MTD-quarter breakdown, filed in Documents.
• Still to come: direct push into specific bridging packages.

Rent review and rent reminders Live

Check a proposed rise, then serve it properly — plus lease dates, review windows and rent-due reminders for small landlords running things themselves.

• Rent-increase calculator and a draft rent-increase notice generator (in Obligations -> Lettings tools), four-nation aware with the right law, notice period and tenant's right to challenge.
• One-tap monthly rent-due reminders and a tenancy-renewal reminder before the fixed term ends.
• Still to come: full lease-date and review-window tracking.

Tenant referencing scorer Live

A structured referencing checklist plus a simple scoring model for DIY landlords without a letting agent. Information, not approval.

• Built into Obligations -> Lettings tools: an affordability multiple, a transparent risk score, the flags worth chasing and a record to keep on file, with Right-to-Rent and Equality Act guardrails.
• Also available free on the website at stead.space/tenant-vetting.

Smart home dashboard Live

The smart-home shell, ready for live integrations — eight main brands with logos plus 30 more in the picker.

Sign in with email, Google, Apple and Microsoft Live

All four providers live in production, with full password recovery on the email flow and bot protection on sign-in.

Two-factor authentication Live

Time-based codes from any authenticator app, optional, with recovery codes and a trust-this-device option so you're never locked out of your own home data.

Biometric app lock Live

Face ID, Touch ID or fingerprint lock at app open, with a configurable timeout — useful once you store tenancy paperwork and identity documents.

Privacy screen on the task switcher Live

Sensitive screens are covered in the iOS and Android app switcher so a glance at your phone doesn't reveal your home, your bills or your documents.

Download your data Live

Export everything Stead holds about your home and account in one file — yours to keep, share or take elsewhere.

In-app account deletion Live

Delete your account and everything in it from inside the app. No emails to ask, no waiting.

Stamp duty calculator (SDLT, LTT, LBTT) Live

Free at stead.space/stamp-duty: the 5% additional-dwelling surcharge, first-time-buyer relief and its £500k cap, and the separate Welsh LTT and Scottish LBTT regimes, with a band-by-band breakdown. 2025/26 rates. Also built into the Stead app's Moving Home screen (Buying tab). Mixed-use and company purchases still to come.

Mortgage repayment calculator Live

Free at stead.space/mortgage-calculator: the monthly payment on a UK mortgage, the total interest over the term, an interest-only comparison, and the time and interest a regular overpayment would save. Also baked into the app — the landlord Finances area, and the Moving Home screen (Buying tab) for everyone.

Mortgage affordability — how much can I borrow? Live

Free at stead.space/mortgage-affordability: an indicative borrowing range (4× to 5× income) from your income, a second applicant, monthly credit commitments and deposit, plus the property price and LTV it reaches. Also built into the Stead app's Moving Home screen (Buying tab). Clearly caveated as a guide, not a lender's offer.

Council tax band challenge helper Live

Free at stead.space/council-tax-challenge: check your band against the 1991 (2003 in Wales) valuation, see the genuine risk before you challenge, and generate a pre-filled letter to the Valuation Office or Assessor. England, Wales and Scotland. An automatic neighbour/value lookup could follow once a data source is agreed.

Leasehold service-charge checker Live

Enter your service charge line by line, test whether major works needed a Section 20 consultation (the £250 / £100 thresholds), flag big year-on-year increases, and generate a query letter to your freeholder or managing agent citing your rights. Free at stead.space/leasehold-service-charge, and built into the Stead app's landlord lettings tools, pre-filled from your property. England and Wales; information, not legal advice. Statement upload and automatic line-item extraction to follow.

EPC & MEES checker Live

Free at stead.space/epc-mees: pick your EPC band and see whether you can let the property now (band E minimum), where you stand on the proposed 2030 band C rule, and the improvements that close the gap with indicative costs. The personalised, EPC-lookup version lives inside the Stead app.

House rebuild cost calculator Live

Free at stead.space/rebuild-cost: work out the buildings sum insured — the cost to rebuild your home, not its market value — from floor area, property type, age and region, with a likely range and a suggested cover figure, plus an under-insurance check and a flag if you're insuring the market value by mistake. Also built into the Stead app's Emergency screen, pre-filled from your property, and folded into the moving handover pack. A guide, not a professional RICS/BCIS assessment.

Tenancy deposit deadline tracker Live

A free standalone tracker at stead.space/deposit-deadline: paste a date, get a countdown to the legal deposit-protection deadline plus a calendar reminder. England, Wales, Scotland and NI. Helps anyone, whether they use Stead or not.

High Income Child Benefit Charge calculator Live

See how much of your Child Benefit the High Income Child Benefit Charge claws back under the £60k–£80k taper, and the pension contribution that removes it. Free at stead.space/child-benefit-charge, 2025/26 rates.

Energy tariff switch calculator Live

Compare two energy tariffs on your real usage, including the standing charge and an exit fee, to see the true yearly saving and how long it takes to break even. Free at stead.space/energy-switch.

Home upgrade payback calculator Live

How quickly an upgrade pays for itself: solar, heat pump, insulation or an EV — costs in, payback period out, plus your net position after 10, 15 and 25 years. Free at stead.space/upgrade-payback.

Rental yield calculator Live

Gross yield, net yield after costs and voids, annual cash flow after the mortgage and cash-on-cash return for UK buy-to-let. Free at stead.space/rental-yield. The fuller Section 24 after-tax version is still to come.

Rent increase calculator Live

See a proposed rent rise in pounds per month, per year and as a percentage, and check it against inflation. Free at stead.space/rent-increase, for renters checking a rise is fair and landlords keeping one reasonable.

Late payment interest calculator Live

Work out the statutory interest and fixed compensation owed on an overdue business invoice under the Late Payment of Commercial Debts Act, and generate a chaser letter. Free at stead.space/late-payment-interest.

Payments on Account forecaster Live

For Self Assessment taxpayers, including landlords: see why your first January bill is 150% of your tax, what each payment on account is, and when the 31 January and 31 July deadlines fall. Free at stead.space/payments-on-account.

Job quote builder with VAT Live

For tradespeople: add materials, a markup and labour, apply VAT if you're registered, and get a clean total with a ready-to-send written quote. Free at stead.space/job-quote.

Tenant referencing checklist and risk scorer Live

Vet a prospective tenant systematically and lawfully: an affordability check, a transparent risk score, the flags worth chasing, next steps and a record to keep on file. Free at stead.space/tenant-vetting. A guide, not a credit decision, and built around lawful, non-discriminatory vetting.

Proof-of-service record builder Live

Record the documents a valid tenancy and a future Section 21 depend on (How to Rent, EPC, gas safety, deposit protection and prescribed information), with the date and method served, and generate a dated written record. Free at stead.space/proof-of-service. Reflects the England regime; information, not legal advice.

Confirmation statement deadline calculator Live

Every UK company and LLP files a confirmation statement at least once a year, even when nothing changes. Enter your incorporation or last statement date and see the next confirmation date, the 14-day filing deadline and a countdown, with a calendar reminder. Free at stead.space/confirmation-statement.

Inspection and inventory report generator Live

Build a clean, dated check-in, mid-tenancy or check-out report room by room, with condition ratings, notes and meter readings, then copy or download it to keep on file and share with the tenant. Free at stead.space/inspection-report. Timestamped photo capture lives in the app.

Landlord allowable expenses calculator Live

Total your allowable rental costs against rental income to see your taxable profit, and compare claiming actual expenses against the £1,000 property income allowance. Free at stead.space/allowable-expenses. Mortgage interest is handled separately under Section 24; a guide, not tax advice.

Section 24 tax impact calculator Live

See what the mortgage-interest restriction costs you: your tax under today's 20% credit, what it would have been under the old full-deduction rules, the effective relief on your interest, and the personal-allowance trap that catches higher earners. Free at stead.space/section-24, 2025/26 rates for England, Wales and Northern Ireland; a guide, not tax advice.

VAT Flat Rate Scheme calculator Live

Compare the VAT Flat Rate Scheme against standard VAT, check the limited-cost-trader 16.5% trap that catches low-goods service businesses, apply the first-year discount, and track your rolling turnover against the £90,000 registration and £88,000 deregistration thresholds. Free at stead.space/vat-flat-rate; a guide, not tax advice.

Capital gains tax on property calculator Live

Work out the CGT on selling a UK buy-to-let or second home: the gain after buying/selling costs and improvements, the £3,000 annual exempt amount, and the tax due at the 2025/26 residential rates of 18% and 24%, split by your other income. Free at stead.space/capital-gains-property, and built into the Stead app's Finances area (Rental P&L → Calculators) for landlords; a guide, not tax advice, with a reminder to report and pay within 60 days.

Tenancy deposit cap calculator Live

Enter the rent and see the maximum deposit a landlord can legally take or charge — five weeks' rent (or six where annual rent is £50,000 or more) under the Tenant Fees Act in England and the equivalent in Wales, two months' rent in Scotland and one month in Northern Ireland, plus the one-week holding-deposit cap. Free at stead.space/deposit-cap; a guide to the statutory caps, not legal advice.

Buy-to-let mortgage stress test Live

Check whether the rent passes a BTL lender's affordability test: the interest cover ratio (125% / 145%) applied to the loan at a stressed interest rate, with a pass/fail verdict and the maximum loan the rent supports. Free at stead.space/btl-stress-test, and built into the Stead app's Finances area (Rental P&L → Calculators); a guide, not mortgage advice.

Rent a Room Scheme calculator Live

For homeowners letting a furnished room: compare the £7,500 (£3,750 if shared) tax-free Rent a Room allowance against claiming actual expenses, and see the estimated tax under each method so you pick the cheaper. Free at stead.space/rent-a-room; a guide, not tax advice.

Rent affordability calculator Live

For renters: see what rent you can comfortably afford (the 30%-of-income guideline), the income letting agents reference against (2.5× the annual rent), and a pass/fail on a specific rent, with guarantor guidance if you fall short. Free at stead.space/rent-affordability, and built into the Stead app — Your Rights → Check your tenancy; a rule-of-thumb guide, not financial advice.

LTV and deposit calculator Live

Enter the property price and deposit to get your loan-to-value, the mortgage needed, the lender rate band it puts you in, and the extra deposit to slip into a cheaper band (95/90/85/80/75/60% tiers). Free at stead.space/ltv-calculator, and built into the Stead app's Moving Home screen (Buying tab); a guide, not mortgage advice.

Director's loan account tracker Live

For owner-managed companies: see whether your director's loan is overdrawn, the 33.75% Section 455 charge, the exact date to repay by to avoid it, and the benefit-in-kind once the balance tops £10,000. Free at stead.space/directors-loan; a guide, not tax advice.

HMO licence checker Live

For landlords letting to sharers: check whether a property is a House in Multiple Occupation and whether it needs a mandatory licence (5+ people, 2+ households in England and Wales; every HMO in Scotland and NI), plus the additional and selective licensing a council can add. Free at stead.space/hmo-licence; information, not legal advice.

Theming and platform polish Live

Dark and light modes with system-preference detection and a smooth theme transition, plus animated progress and counters across the app.

Offline behaviour Live

Open the app with no signal and your home, rooms, documents and everything else are still there. Changes you make are queued and synced when you reconnect, and anything that genuinely needs the internet tells you plainly instead of failing silently.

Crash reporting and source maps Live

Production error monitoring with symbolicated stack traces split by staging and production, so issues are caught and traced quickly.

Welcome email and user guide Live

New accounts get a concise welcome email linking to a plain-English user guide on the website that walks through what Stead does and how to get the most from it.

Referral programme Live

A referral link so existing users can bring in new ones — a core growth channel.

• Account -> Invite friends gives every user a personal referral link to copy or share, with a 'friends invited' count.
• New web sign-ups are attributed to the referrer (visible in the admin portal).
• Still to come: native app install-referrer attribution and any referral rewards.