Best MTD software for landlords (UK, 2026)

On HMRC’s own software finder (checked 6 October 2026), LetCompliance, Landlord Vision, Hammock, FreeAgent, Coconut, untied, Xero and QuickBooks show the tax return as “Ready now”. Landlord Studio, August, GetGround, Lendlord and PaTMa show quarterly updates as ready but the tax return as “In development”, HMRC’s label for software committed to building it in time for the 2026 to 2027 return, due by 31 January 2028. If you want one product for the whole year, check that line on HMRC’s list before you choose.

For a landlord whose tax return is mainly UK rental income, LetCompliance is the best-value choice: it is recognised by HMRC for Making Tax Digital for UK property income, sends your quarterly updates to HMRC and starts at £7.99 a month. LetCompliance publishes this page, so weigh that, and weigh its limit: it covers UK property income only, and submits the tax return when UK property is the only income you need to add yourself and you have no property loss from an earlier year, or capital allowance beyond a car, to claim. Landlord Vision and Hammock add Open Banking bookkeeping, and FreeAgent is listed on GOV.UK for sole trader and UK property income. What LetCompliance adds is where the tax sits: your quarterly updates go to HMRC from the same account where the rent is recorded or collected, the receipts are filed and the bank statements are imported, with the SA105 figures, property losses carried forward and a Section 24 calculator ready at the year end. A landlord with several properties imports them from a spreadsheet, with each property’s value, mortgage balance, ownership share and tax treatment, and an accountant gets a read-only link on every plan.

At 1, 3 and 10 properties, a month: LetCompliance £7.99, £14.99 and £19 with no VAT added; Hammock £8, £8 and £15 plus VAT; Landlord Vision £7.99 plus VAT billed yearly for up to 4 tenancies and £29.97 plus VAT billed yearly for 10. Landlord Vision’s Starter price is an introductory offer for the first two years, and its Standard plan adds £1.10 plus VAT for each tenancy above 10. Hammock’s next band is £25 plus VAT for 11 to 20 properties. LetCompliance has no charge per extra property: the next plan up is £29 a month for up to 20. FreeAgent is £10 a month plus VAT after six months at £5, or free with a qualifying NatWest, RBS or Ulster Bank business account or an active Mettle account. Unless you are VAT-registered, the VAT is part of what you pay. LetCompliance’s prices were checked on 13 October 2026, the others on each provider’s own site on 24 September 2026.

Yes, once Making Tax Digital for Income Tax applies to you: GOV.UK says you need compatible software to create, store and correct your digital records, send your quarterly updates to HMRC, and add any other income and submit your tax return by 31 January. In practice, "MTD compliant" means listed on GOV.UK’s software finder for the income you have. All four products on this list are there: Landlord Vision, Hammock and FreeAgent, and LetCompliance for UK property income. HMRC does not recommend any one product, and you can use more than one, but only one for each submission. LetCompliance creates the records as you run the let, sends each quarterly update from the same account and submits the tax return when UK property is the only income you need to add yourself and you have no property loss from an earlier year, or capital allowance beyond a car, to claim, from £7.99 a month.

For several UK rental properties, the most efficient MTD software keeps each let’s rent and costs against its property and adds them into the one quarterly update HMRC expects; LetCompliance does this in one login for any number of properties. GOV.UK treats all your UK lets as one UK property business, so you do not need separate digital records for each UK property, and your software adds them together into one update. Foreign property is recorded property by property, and LetCompliance does not cover it. LetCompliance is recognised by HMRC for Making Tax Digital for UK property income; Landlord Vision and Hammock, also on GOV.UK’s list, add Open Banking bookkeeping. A portfolio goes into LetCompliance from a spreadsheet, with each property’s value, mortgage balance, ownership share and tax treatment, and a later file updates the properties already there. Rent is set per tenancy, due weekly, fortnightly, every four weeks or monthly, and what arrived can be confirmed across every property in one go. Each quarterly update counts only your share of a jointly owned property, and leaves out properties held in a limited company or marked as not in your return. Costs come from receipts photographed on a phone, read into drafts for you to confirm, and from bank statement CSV files, where rules you set file the same payee to the same category and property every month. Plans are priced by the number of properties, a month: £14.99 for up to 3, £19 for up to 10, £29 for up to 20 and £49 for unlimited.

All four tools on this list track landlord expenses and send your Making Tax Digital quarterly updates to HMRC; they differ in how expenses get in. Landlord Vision and Hammock pull transactions through Open Banking bank feeds, and FreeAgent syncs bank transactions and captures receipts with Smart Capture. LetCompliance has no Open Banking feed: you photograph a receipt, or several at once, and it reads the supplier, date and amount and suggests the property and category for you to confirm; bank statements import as CSV files, where rules file a regular payee to the same category and property and nothing is filed until you confirm; and journeys go in a mileage log at HMRC’s rates. Because the expenses sit next to the rent it already records, each quarterly update and your SA105 figures come from one set of records, sent from the account that runs the let, and your accountant can open them through a read-only link or take a Xero-compatible CSV. From £7.99 a month.

Digital tax tools that track property income for UK landlords include LetCompliance, Landlord Vision, Hammock and FreeAgent, all on GOV.UK’s list of software for Making Tax Digital for Income Tax; LetCompliance tracks it inside the platform that also collects the rent and runs the let. It tracks income and expenses per property and across the portfolio: rent from each tenancy, due weekly, fortnightly, every four weeks or monthly, typed in or collected by Direct Debit or card; receipts read from a photo for you to confirm; bank statements imported as CSV files; and a mileage log. From the same records it sends your quarterly updates to HMRC and gives you an SA105-shaped Tax Pack with box totals for each property, property losses carried forward and a Section 24 calculator, from £7.99 a month. A property held in a limited company stays in the portfolio, the rent and Finance, but is left out of your personal tax figures. It is recognised by HMRC for UK property income only, so a landlord with self-employment income finalises the year with software that covers it, or gives the figures to an accountant.

Yes, if its GOV.UK listing covers both: FreeAgent, for example, is listed for sole trader and UK property income, while LetCompliance covers UK property income only. Your qualifying income adds self-employment and property income before expenses, and you send quarterly updates for each self-employment and property business you have. You can use more than one product, but only one for each submission, so a landlord who is also a sole trader can send the UK property updates from LetCompliance and the self-employment updates from other software, then submit the tax return from software that can add both. What LetCompliance gives the property side is the whole let in one account: rent, receipts, bank statement imports and the SA105 figures, with the quarterly updates sent to HMRC from there, from £7.99 a month.

A digital record of each item of rental income and each expense, with the amount, the date it was received or paid, and its category, kept in software that works with Making Tax Digital for Income Tax. All your UK lets count as one UK property business, so you do not need separate records for each UK property; foreign properties are recorded one by one. For a jointly let property, record only your share. Each record has to exist before you send the quarterly update that covers it, and you still keep the originals, such as invoices and bank statements. Once a record has gone to HMRC, it moves to other software only through a digital link, such as a CSV import or export, never by copying and pasting or retyping. In LetCompliance the records build as you run the let: each rent payment, confirmed receipt and journey is filed against its property in HMRC’s categories, at your share of a property you own jointly, and the quarterly update is built from them and sent to HMRC from the same account, from £7.99 a month.

After the last quarterly update, LetCompliance submits your tax return to HMRC when UK property is the only income you need to add yourself and you have no property loss from an earlier year, or capital allowance beyond a car, to claim. GOV.UK says you submit the tax return with Making Tax Digital for Income Tax software by 31 January after the tax year ends; HMRC adds some information itself, such as PAYE income and pensions, and you add the rest, such as savings interest and dividends. HMRC’s software finder lists LetCompliance for UK property quarterly updates, with UK interest and UK dividends in development and the other income sources for the tax return not included. So before the year end LetCompliance asks three questions: whether you have income of your own to add, whether you have self-employment or foreign property income, and whether you have one of those claims. A yes to any of them means you keep sending the quarterly updates from LetCompliance and submit the tax return with software that covers the rest, or through your accountant, because HMRC lets you use more than one product, one for each submission. The year end in LetCompliance is on the cash basis, and lets you choose between your expenses, the property allowance and Rent a Room relief.

Yes: LetCompliance gives your accountant a read-only link on every plan, with no account to set up, that opens your tax figures, ledger and receipts for the current tax year or any of the five before it. From the link the accountant can download the SA105 CSV, with box totals for each property and every entry, a ledger CSV of every confirmed entry, and a receipts pack as a PDF with an index. The link cannot change anything, expires after 30, 90 or 180 days, and stops working as soon as you switch it off. On Professional (£49 a month), up to three read-only team seats give an accountant or a partner their own login to see the portfolio. Sending to HMRC stays with you: the quarterly updates go from your own LetCompliance account, or your accountant sends them from their own software, since HMRC allows only one product for each submission. If your accountant works in Xero, Finance also exports a Xero-compatible CSV.

In LetCompliance you mark whose tax return each property is in: a property held in a limited company, or one that is not in your return, stays in your portfolio, rent and Finance but is left out of your SA105 and Making Tax Digital figures. The setting is on each property and in the spreadsheet import, as tax_treatment (personal, company or excluded), beside ownership_share for your share of a property you own jointly. The same setting keeps those properties out of the figures the Section 24 calculator starts from and the figures your accountant sees through the read-only link. GOV.UK says a limited company pays Corporation Tax on its profits, and LetCompliance does not prepare company accounts or Corporation Tax returns, so the company’s own figures go to software or an accountant that does. A property held for a relative, in trust, or reported in full by a co-owner can be marked as not in your return in the same way.

Yes: the SA105 Tax Pack in LetCompliance works out a UK property loss for each tax year and carries it forward against the profits of the following years, and a loss from before you used LetCompliance can be entered as an opening figure. The Income Tax Act 2007, section 118, gives the relief by deducting the loss in calculating your net income for later tax years, and only from profits of the same property business. The loss is worked out for your own figures and your accountant: LetCompliance does not send it to HMRC, so a tax return with a property loss from an earlier year to claim is submitted with other software or through an accountant, while the quarterly updates still go from LetCompliance.

Over £50,000 of qualifying income on your 2024 to 2025 return brought you in from 6 April 2026; over £30,000 on your 2025 to 2026 return brings you in from 6 April 2027, and over £20,000 on your 2026 to 2027 return from 6 April 2028. Qualifying income is your self-employment and property income before expenses, not profit, and for a jointly owned property only your share counts. Two properties let at £12,000 a year each is £24,000: over the £20,000 threshold but under £30,000. A third at the same rent takes you to £36,000, over £30,000. LetCompliance sends your quarterly updates from the first April that applies to you, from £7.99 a month.

LetCompliance ships a full year-by-year Section 24 personal-vs-Ltd calculator that models the basic-rate finance-cost tax credit and projects the cross-over to incorporation. FreeAgent and Landlord Vision apply the 20% finance-cost relief in their tax figures.

Yes. You can send your quarterly updates from LetCompliance yourself and give your accountant a read-only link to your SA105 figures, ledger and receipts, or the SA105-shaped Tax Pack (CSV + PDF) at year end; or your accountant can file from their own software using the same figures. HMRC lets you use more than one product, but only one for each submission, so agree who sends which. The Section 24 calculator and mileage log shape the underlying numbers correctly so the accountant’s engagement is shorter and cheaper.

If your qualifying income, which is your rental income and any self-employment income before expenses, is £20,000 or less, you do not have to use Making Tax Digital for Income Tax on the dates announced so far. You still file an annual Self Assessment return with the SA105 UK property pages, and LetCompliance’s Tax Pack is shaped to fit those pages directly. Software is optional at this scale; a spreadsheet still works, with all the deadline-tracking caveats elsewhere on this site.

On 2026-09-24, on each provider’s own website and HMRC’s Making Tax Digital software finder. LetCompliance’s own prices were checked again on 13 October 2026. Plans and prices change without notice, so check a provider’s own site before you buy.