Property finance management software
Understand the numbers behind every property.
Bring valuations, investment costs, borrowing and contracted rent together in Fructus. See your financial exposure across every property you hold, then open any single property to see the numbers behind it.
Fructus product screenshots use an illustrative demonstration portfolio.
See the borrowing behind your portfolio value
Once you hold several mortgaged properties, a lender-by-lender spreadsheet stops telling you where you stand. Fructus totals the borrowing recorded against each property into one portfolio view, so you can judge overall exposure before refinancing, buying or selling.
- Recorded portfolio debt
- Recorded outstanding balances brought together in one figure.
- Weighted loan-to-value
- Debt measured against recorded values, weighted by size.
- Scheduled debt service
- The repayments your facilities commit you to.
- Valuation coverage
- How much of the portfolio has a recorded value behind it.
From the portfolio totals, open an individual property to see the facility and valuation that make up its share.
Figures reflect the balances you record. Fructus does not connect to lenders or verify balances.
Understand your property values and equity
Record what you paid and what you have spent improving a property, add its latest valuation, and Fructus sets capital uplift and estimated equity side by side, as shown in the investment screen above.
- 01Purchase priceWhat you paid
- 02Renovation costsRecorded improvement spend
- 03Current valuationYour latest recorded value
- 04Capital upliftIn pounds and as a percentage
- 05Estimated equityIn pounds and as a share of value
Values and equity are estimates from figures you record, not independent valuations or realised profit.
Keep every valuation, dated and on record
Each time a property is valued, for a remortgage, a sale appraisal or your own review, add it as a dated entry. The history stays with the property, alongside its active finance, so you can see how its recorded value has moved and what it is based on.
- Dated valuation entries per property
- History kept, not overwritten
- Active finance shown alongside the value
Valuation history is a record of entries you add. Fructus does not forecast values.
Keep every property loan organised in one place
Record each mortgage or facility against the relevant property: lender, outstanding balance, interest, scheduled payments and maturity date. See property-level LTV, keep supporting offers and statements alongside where available, and spot refinancing dates before they arrive.
Lender & facility
Who you borrow from, and how
Balance & property LTV
Recorded balance set against recorded value
Rate & payment
Interest and scheduled payments
Maturity date
See what is coming due
Documents
Supporting records, where available
See contracted rent and vacant rental potential
See total contracted monthly rent from occupied units, with estimated rental value for vacant or void units shown separately. Review the property-level breakdown and occupancy to identify where rental potential remains.
- Total contracted monthly rent roll
- Contracted rent from occupied units
- Estimated rental value of vacant units
- Property-level breakdown and occupancy
Rental income is based on the rent recorded against each tenancy, rather than payments received.
Swipe sideways to read the table, or tap to enlarge.
The same rent roll, on your phone.
Review contracted rent, vacant rental potential and property occupancy on a smaller screen, with the same information connected to your portfolio.
Looking for income and performance reporting? Explore Income & performance
Record the money moving through each property
Add rent due and rent received entries, property expenditure and ongoing commitments manually, each linked to the property it belongs to.
Rent due
Record the rent expected for a tenancy and period.
Rent received
Add received entries manually as payments arrive.
Expenditure
Log property-related costs against the relevant property.
Commitments
Keep recurring financial commitments visible alongside the asset.
Fructus gives property-level financial visibility. Bookkeeping, bank reconciliation and statutory accounts stay in your accounting software.
Connected to the properties behind the numbers
Financial information becomes more useful when it stays connected to the properties it describes. Fructus brings investment details, borrowing, rental contracts and supporting documents together within your property records.
Property investment
Keep purchase costs, valuations and estimated equity connected to each property.
Borrowing
Organise finance facilities, balances and scheduled repayments alongside the relevant assets.
Rental income
See contracted rental income directly from your recorded tenancies.
Property finance, answered.
Can Fructus track property values and equity?
Yes. Record purchase costs and dated valuations against each property, and Fructus shows estimated equity using the recorded value and the borrowing you hold against it.
Can I record mortgages against individual properties?
Yes. Each property can hold its finance facilities, including lender, outstanding balance, interest rate, scheduled payments and maturity date.
Does Fructus automatically collect rent or connect to my bank?
No. Fructus shows your contracted rent roll and lets you record rent entries yourself. It does not collect rent or reconcile bank transactions.
Can I see the rental income across my portfolio?
Yes. The contracted rent roll brings rent together across your portfolio, with a property-level breakdown and estimated rental values for vacant units where recorded.
Does Fructus replace my accounting software?
No. Fructus organises the financial information connected to your properties. Bookkeeping, tax reporting, bank reconciliation and statutory accounts stay in your accounting system.
Take control of your property finances.
Replace disconnected spreadsheets with a clearer view of your property investments, borrowing and rental income.
14-day free trial. Payment details are collected when you start. No subscription charge during the trial. Unless cancelled before the trial ends, your selected subscription begins automatically.