Best property accounting software (UK, 2026)

LetCompliance is landlord and property management software that runs the whole let, and it keeps the books from the same records: rent is charged on each tenancy and marked paid, part-paid or late, and on the 3-day trial and every paid plan it can be collected by Direct Debit into the landlord’s own Stripe account, with no commission on the rent. Costs go against each property on the UK tax year, a photographed receipt is read into a draft expense to confirm, and a bank statement CSV is matched line by line, with rules for a regular payee. On paid plans it prepares an SA105 pack with property losses carried forward, the Section 24 figures and a mileage log, and it is recognised by HMRC for Making Tax Digital for UK property income: it sends the quarterly updates and, 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, and no relief or charge to add, the tax return. Company-owned properties stay in the portfolio but out of the personal figures, and an accountant gets a read-only link on every landlord plan. It ranks first because the books come from the let itself. Its limits are plain: no Open Banking bank feed, no connection to an accounting package beyond a Xero-ready CSV export, and Making Tax Digital for UK property income only.

Hammock reads rent and costs from Open Banking bank feeds and matches them to properties and tenants, with unlimited bank feeds, rent and arrears tracking, and Making Tax Digital quarterly updates and the final declaration on every plan, in plans banded by portfolio size. HMRC’s finder shows its quarterly updates and tax return “Ready now” for UK and foreign property income, and it is listed for agents as well as individuals. The FCA register lists Hammock Financial Services Ltd as a registered account information service provider, the permission a bank feed needs. Its lead is the books kept from the bank feed, which LetCompliance does not offer. It ranks second because it reads payments rather than collecting them, and the let around the books is lighter: possession notices, a compliance score and a lettings funnel are not listed on its pricing page.

Landlord Vision is accounting-first landlord software with Open Banking bank feeds, income and expense tracking, receipt data extraction and Making Tax Digital on every plan, priced by active tenancy. HMRC’s finder shows its quarterly updates and tax return “Ready now” for UK property, sole trader and foreign property income, the widest cover of the landlord software on this list, and its own site says it is registered with the FCA under number 918962. Standard adds a tenant portal, e-signatures and legal documents, Premium work orders, and Enterprise a Xero integration and agent statements. Its lead is the accounts and the tax return across more than property income. It ranks third because the let itself costs more there: the tenant portal starts on Standard, at £29.97 a month plus VAT billed yearly, while LetCompliance runs the let and keeps the books from £7.99 a month.

Landlord Studio keeps rental income and expenses with bank feeds, 5 accounts on Pro and 20 on Pro Plus, and a Xero integration on Pro; its MTD Go plan covers up to 3 units at £0, with £5 for each MTD submission. HMRC’s finder shows its UK property quarterly updates “Ready now” and its tax return “In development”, and its native app had 181 ratings on the App Store for the UK on 24 October 2026, an average of 4.3. Its lead is the books and Making Tax Digital in a native phone app. It ranks fourth because its tax return is still in development on HMRC’s finder, and Direct Debit rent collection and Section 8 notices are not listed on its UK pricing page, while LetCompliance runs both on the same records as the books.

Xero is general accounting software for small businesses, and its page for landlords says it keeps track of property finances, automates rent collection and manages tenancy records. Its Simple plan, for a business not registered for VAT, is £7 a month excluding VAT with Making Tax Digital for Income Tax included, and its plans for VAT-registered businesses submit VAT returns to HMRC; none is priced per property. HMRC’s finder shows its quarterly updates and tax return “Ready now” for UK property, sole trader and foreign property income, for individuals and agents, and its App Store app had 22,391 ratings for the UK on 24 October 2026, an average of 4.8. Its lead is general accounts with VAT returns and invoicing. It ranks fifth because it is a general package: tenancy agreements, notices and a tenant portal are not listed on its landlord page, while LetCompliance keeps the property books inside the let.

QuickBooks is general accounting software for small businesses, and its Sole Trader Plus plan, at £10 a month for one user, includes Making Tax Digital for Income Tax, preparing for Self Assessment and automated bank feeds; it is priced per business, not per property, and the page does not say whether VAT is included. HMRC’s finder shows its quarterly updates and tax return “Ready now” for UK property and sole trader income, for individuals and agents, with 15 of the finder’s 16 other tax return items “Ready now”. Its App Store app had 39,442 ratings for the UK on 24 October 2026, an average of 4.7. Its lead is bank feeds and a wide tax return in one general package. It ranks sixth because no landlord tools are listed on its pricing page: rent per tenancy, notices and a tenant portal are LetCompliance’s, in the same login as the books.

FreeAgent is accounting software for sole traders and unincorporated landlords, at one price of £10 a month plus VAT, £5 for the first six months, or £100 plus VAT a year, and at no charge with certain business bank accounts, as its pricing page sets out. Its landlord page says it manages jointly owned properties from one account. HMRC’s finder shows its quarterly updates and tax return “Ready now” for UK property and sole trader income, for individuals and agents, with all 16 of the finder’s other tax return items “Ready now”, the most on this list, and its App Store app had 13,754 ratings for the UK on 24 October 2026, an average of 4.8. Its lead is the tax return across income beyond property. It ranks seventh because its landlord page covers accounts and tax rather than the let: tenancies, notices and a tenant portal are not listed, while LetCompliance keeps the property books where the let is run.

Sage Sole Trader records landlord income and expenses and is Making Tax Digital ready, in its own words: Sage Sole Trader Free costs nothing, with one bank account and 25 auto-categorised transactions, and the paid plan, £7 a month excluding VAT after 90% off for 6 months, adds receipt scanning and more bank accounts. Neither is priced per property. In HMRC’s finder list for individuals, both its products give the submission type “Quarterly updates, Tax return” for sole trader and UK property income; foreign property is not covered. Its lead is a free plan for a sole trader who also lets property. It ranks eighth because it is a sole trader package: rent per tenancy, deposits, notices and a tenant portal are not listed on its page, while LetCompliance keeps the property books inside the let.

Zoho Books has a free plan that, on its own pricing page, sends quarterly updates, submits the final tax return and pre-fills the SA105 property pages for landlords, for one user and one accountant, with property tracking marked as new; Standard, at £12 a month or £10 billed annually, adds bank feeds for several bank accounts. Its prices are exclusive of local taxes, in its own words. In HMRC’s finder list for individuals its card gives the submission type “Quarterly updates, Tax return” for sole trader and UK property income, and its App Store app had 1,234 ratings for the UK on 24 October 2026, an average of 4.8. Its lead is Making Tax Digital and the SA105 pages at no cost. It ranks ninth because it is a general accounting package: rent per tenancy, deposits, notices and a tenant portal are not listed on its pricing page, while LetCompliance keeps the property books inside the let.

Pandle is bookkeeping software with a free plan, and its plan table lists MTD IT submissions; Pandle Pro, at £5 a month plus VAT, adds bank feeds and receipt uploads. Its own site says it is an agent of Plaid Financial Ltd., an authorised payment institution regulated by the FCA. In HMRC’s finder list for individuals its card gives the submission type “Quarterly updates, Tax return” for sole trader and UK property income, and its App Store app had 55 ratings for the UK on 24 October 2026, an average of 1.5. Its lead is bank feeds for £5 a month plus VAT. It ranks tenth because it is general bookkeeping: rent per tenancy, deposits, notices and a tenant portal are not listed on its pricing page, while LetCompliance keeps the property books inside the let.

Coconut sells three plans by the year: MTD Bridging at £49.99, Bookkeeping at £99.99, with property income prep for SA105, and MTD filing at £129.99, which sends the quarterly updates and the year-end declaration; VAT is not stated on its page. It connects to a bank, and the FCA register lists @Coconut Platform Ltd as a registered account information service provider. HMRC’s finder shows its quarterly updates and tax return “Ready now” for UK property, sole trader and foreign property income, and its App Store app had 3,005 ratings for the UK on 24 October 2026, an average of 4.7. Its lead is one app for self-employment and property tax. It ranks last because rent per tenancy, deposits, notices and a tenant portal are not listed on its pricing page, while LetCompliance keeps the property books inside the let.