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Portfolio finance & ROI analytics

LetCompliance vs Lendlord

Lendlord leads on the financing side of UK landlording: refinance modelling, mortgage stress tests and ROI / yield analytics. LetCompliance runs the operational side: the lettings funnel (advertise, applications, viewings, convert), rent and arrears, a 0-100 compliance score, Section 8 / Section 13 / Awaab’s Law / pet-request notice generators, RRA 2025 toolkit, a court-ready evidence pack with audit-logged tenant delivery, plus a UK landlord tax toolkit (SA105, Section 24, MTD ITSA, mileage). They overlap on tax and P&L; for refinance and ROI modelling Lendlord leads, so portfolio landlords often run both.

The bottom line

+35capabilities Lendlord
doesn't have

LetCompliance runs the whole let in one login — lettings, rent & arrears, e-sign, compliance, Section 8 / 13 notices and SA105 tax.

Lendlord still leads on its specialism — the honest breakdown is below.

Feature by feature

LetCompliance adds 35 things Lendlord lacks
Feature
LetCompliance
Lendlord
Advertise + take applications + book viewings
Waiting list / register-interest capture
Holding deposits (Tenant Fees Act 2019)
Tenant referencing (regulated UK credit check)
E-signed tenancy agreements
Move-in pack — statutory documents assembled
Rent tracking + automatic arrears chasing
Rent collection (Bacs Direct Debit)

We collect rent by Bacs Direct Debit via Stripe Connect, paid into your own account. We do not add Open Banking bank-feed reconciliation.

Tenant portal
Landlord / owner portal
Maintenance work orders + AI repair triage
Professional photography, inventory & inspections
Accompanied viewings & contractor sourcing
Tenant Risk Report + arrears-recovery service
Gas Safety / EICR / EPC tracking + reminders
Gas / EICR / EPC + insurance + mortgage expiry alerts
AI expiry-date detection on uploaded certificates
0-100 compliance score per property
SMS reminders
Right to Rent checks
Deposit protection deadline tracking
HMO room-level management
Pet request 28-day tracker (RRA 2025)
Section 8 notice builder (Schedule 2 grounds)
Section 13 rent-increase notice builder
Awaab’s Law damp-and-mould SLA engine
Renters Rights Act 2025 toolkit
Agreement generator + Information Sheet audit trail
PRS Database readiness tracker

Live today: per-property register-readiness checklist + status, ref and date. HMO-aware. Ready before the late-2026 rollout.

SA105-shaped Tax Pack
Tax-pack assembly
Section 24 personal-vs-Ltd calculator
Basic
MTD ITSA quarterly summary on HMRC dates
Basic
Capital gains tax calculator
Mileage log
Receipt / invoice scanning
Xero integration
Client accounting: statements + CMP reconciliation
Property valuation tracker (HM Land Registry HPI)
Insurance renewal tracker
Planned maintenance scheduler
Property key facts + key-date tracking
Multi-branch agency workspaces
Time to go live
Same-day self-serve
Pricing starts at (2026)
£14.99/mo (free for 1 property)
Free / Pro tiers (see their site)
Refinance / remortgage planner
Mortgage stress-test calculator
Portfolio LTV / DSCR analytics
Basic
Open Banking bank feed
Native iOS / Android app

Choose LetCompliance when

  • Compliance, Section 8 readiness and RRA 2025 are the top reasons you are buying software.
  • You want a single 0-100 score per property and a court-ready evidence pack at one click.
  • You handle financing through your accountant or broker and need the legal layer covered.

Choose Lendlord when

  • You actively grow the portfolio and refinance regularly, Lendlord’s remortgage planner is excellent.
  • You want detailed LTV / DSCR analytics across 10+ properties.
  • Open Banking reconciliation of mortgage and rent flows is your top pain.

FAQs

Can I run Lendlord and LetCompliance together?

Yes, they barely overlap. Most serious portfolio landlords keep Lendlord for refinance modelling, LTV / DSCR analytics and Open Banking reconciliation, and use LetCompliance for compliance, Section 8 / RRA 2025 workflow and the SA105 / MTD prep. We export property and finance CSVs that drop into Lendlord’s portfolio view.

Does LetCompliance model a refinance?

Not in depth. We ship a free Rental Yield calculator and a Section 24 personal-vs-Ltd calculator, but we do not model bridging loans, BTL refinances or stress-test against base rate scenarios, Lendlord is purpose-built for that.

Does Lendlord generate a Section 8 notice?

No. Lendlord stays in finance: mortgages, ROI and tax-pack assembly. Section 8, Section 13, Awaab’s Law and Prescribed Information PDFs are the LetCompliance core.

Is LetCompliance really an all-in-one platform, or mainly a compliance tool?

It runs the whole let, not just compliance. In one login you advertise, take applications and viewings, reference tenants, e-sign the tenancy, collect rent by Direct Debit and chase arrears, track a 0-100 compliance score, draft Section 8 and Section 13 notices, manage HMO rooms, book done-for-you property services and prepare your SA105 tax. The compliance score is one feature among many, not the whole product.

Which should a UK landlord choose — LetCompliance or Lendlord?

The table above compares them feature by feature. For most UK landlords and small-to-mid agencies who want the whole tenancy in one place, LetCompliance covers more of the let; Lendlord is the better pick for the specific areas it leads on, which are called out honestly above. LetCompliance is free for your first property, then from £14.99/mo.

Does LetCompliance handle Making Tax Digital and SA105 tax as well as Lendlord?

LetCompliance ships an SA105-shaped Tax Pack, a Section 24 personal-vs-limited-company calculator, MTD-dated quarterly summaries, a capital-gains calculator and a mileage log — the landlord tax layer most tools skip. It is not HMRC-recognised for the direct press-submit step, so above the £50,000 MTD threshold you pair it with a recognised filer or hand the pack to your accountant.

Are these Lendlord comparisons independent and kept up to date?

They are written by the LetCompliance team, and we say so plainly — but each one names where Lendlord is the better choice and the two things LetCompliance does not do (Open Banking bank-feed reconciliation and HMRC direct-submit filing). Pricing and feature rows are re-verified every quarter.

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