Does Making Tax Digital connect directly to HMRC, or do I still need to file manually?

Your HMRC connection is authorised through HMRC's own website using their official OAuth2 flow — your HMRC password is never shared with us. Once authorised, we hold a secure, encrypted credential that lets us submit your quarterly MTD ITSA updates directly to HMRC on your behalf. You can revoke that access at any time via Manage Authorised Applications on the HMRC website.

My transactions come from my letting agent's software. Do I have to re-enter them here?

No. The platform connects to AgentOS-powered letting agent software and pulls your income and expense transactions automatically. Each sync imports rent received, maintenance deductions, management fees, and other line items directly into your transaction ledger, where they are mapped to the correct HMRC property income categories. You review, adjust where needed, and submit — no manual re-keying.

How does the quarterly submission process actually work, step by step?

After your letting agent transactions are imported, you categorise any that need attention, then hit Compute for the relevant quarter. The platform aggregates your income and expenses into the figures HMRC requires. Once you are happy with the totals, you click Submit to HMRC. The submission runs in the background, and you receive an in-app notification confirming acceptance or flagging any rejection with a plain-English explanation of what to fix.

Is my National Insurance Number and financial data stored securely?

Yes. Your National Insurance Number is encrypted at rest using AES-256-GCM before it is stored, and it is never written to application logs or exposed in URLs. HMRC OAuth tokens and bank connection credentials receive the same encryption treatment. The platform uses separate encryption keys per data classification — HMRC tokens, NINOs, and bank credentials each have their own key — so a compromise of one key does not expose everything else.

Can I also connect my bank account, or is the letting agent the only data source?

You can connect a bank account via Open Banking in addition to your letting agent software. Bank transactions are optional and must be explicitly included by you — they do not flow into your tax ledger automatically. This gives you control over which bank entries supplement your letting agent data, and prevents accidental double-counting of transactions that already appear from your agent.

What happens if I miss a quarterly deadline or my HMRC connection expires?

The platform monitors your submission deadlines and sends tiered reminders at 30 days, 7 days, and 1 day before each quarter is due. If your HMRC authorisation is approaching expiry, you receive warnings at 30 days and 7 days in advance so you can re-authorise before it lapses. If a submission fails, you receive an immediate notification explaining the HMRC error code in plain English along with the steps to resolve it.

MTD ITSA — LIVE FOR 2026-27

Your letting agent's data. Straight to HMRC.

UK landlords letting through agents now face quarterly HMRC submissions. This platform pulls transactions directly from your letting agent's software, maps every line to the correct HMRC category, and files on your behalf — no accountant required for the quarterly step.

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Making Tax Digital dashboard showing portfolio overview, quarterly submission status and transaction categorisation

503

FEATURES SHIPPED

2026-27

FIRST MTD ITSA YEAR

4 / YEAR

QUARTERLY SUBMISSIONS

31 JAN

ANNUAL DEADLINE

[ MANDATE / APRIL 2026 ]

MTD ITSA is not optional. Here is what changes.

From April 2026, landlords earning above the income threshold must file quarterly digital updates directly with HMRC — four times a year, every year. Paper returns and annual self-assessment are no longer sufficient.

Four updates a year

Q1 starts 6 April 2026. Each quarter has a hard HMRC deadline. Miss one and penalties accrue automatically.

Digital records required

Every income and expense line must be held in MTD-compatible software — not a spreadsheet, not a paper ledger.

Direct HMRC API connection

Submissions go via HMRC's Making Tax Digital API. You authorise access once; we submit on your behalf for each quarter.

STEP-BY-STEP / HOW IT WORKS

From letting agent software to HMRC receipt — four steps.

STEP 01 — CONNECT
Link your letting agent account
We connect to your letting agent's AgentOS software via a secure API. Your property portfolio, tenancy records, and transaction history are imported in minutes.
STEP 02 — CATEGORISE
Transactions mapped to HMRC categories
Every rent receipt, maintenance invoice, and management fee is mapped to the correct HMRC property income category. You review, adjust if needed, and confirm.
STEP 03 — SUBMIT
One-click quarterly submission to HMRC
When all transactions are categorised and the quarter is computed, submit directly via HMRC's MTD API. You get a submission reference and HMRC confirmation — logged and audited.
STEP 04 — FINALISE
Annual declaration by 31 January
After all four quarters are submitted, complete your final declaration — the crystallisation step that closes the tax year with HMRC. We guide you through every field.

0.2s$ agentos.connect --landlord discover

1.1s→ Found 6 properties across 2 agencies

1.8s→ Synced 147 transactions (current tax year)

0.3s$ hmrc.categorise --quarter Q1 --year 2026-27

0.9s→ rental_income: £18,400 across 6 properties

1.4s→ property_repairs: £1,240 | finance_costs: £3,100

2.1s→ 3 transactions need your review

0.4s$ hmrc.submit --quarter Q1 --business uk-property

1.2s→ Payload validated — income: £18,400 expenses: £4,340

2.0s→ HMRC accepted — ref: MTD-2026-Q1-00842

0.5s$ hmrc.finalise --tax-year 2026-27

1.3s→ All 4 quarters confirmed accepted

2.1s→ Final declaration submitted — tax year closed

LETTING AGENT SYNC / AGENTOS-CONNECTED

Your agent already has the numbers. We bring them to HMRC.

Landlords using letting agents receive rent net of fees — the agent collects, deducts management charges, maintenance costs, and pays the balance. This platform connects directly to your agent's AgentOS software, pulls each statement line, and maps it to the correct HMRC box. No manual data entry. No CSV exports.

Rent received, management fees, and repairs imported automatically
Properties and tenancies synced from your agent's records
Incremental sync keeps your ledger up to date as new statements arrive
Transaction descriptions preserved for your audit trail

AgentOS letting agent connection panel showing linked accounts and sync status

Bank accounts page showing Open Banking connection with transaction sync status

OPEN BANKING / OPTIONAL SUPPLEMENT

Bank transactions as a cross-check — not a replacement.

Letting agent statements are your primary submission source. Bank transactions via Open Banking are an optional layer — useful for cash expenses, direct receipts, or verifying agent payments cleared correctly. You choose which bank transactions to include.

Powered by TrueLayer Open Banking — FCA regulated
Opt-in per transaction — nothing added without your review
Duplicate warnings prevent double-counting against agent data

PLATFORM CAPABILITIES / WHAT'S INCLUDED

Every part of the MTD ITSA workflow, built and shipped.

This is not a roadmap. The features below are live and used today — 503 features shipped in total.

HMRC MTD OAuth2 Connection

Authorise directly on HMRC's own website. Your HMRC password is never shared. We hold an encrypted access grant you can revoke at any time.

Quarterly Submission Engine

Compute Q1–Q4 aggregates, review income and expense totals, and submit the HMRC periodic update. Status tracked from draft through to HMRC-accepted.

Transaction Ledger & Categorisation

Every imported transaction mapped to an HMRC property income category. Bulk recategorise, add notes, exclude items, and maintain a complete audit record.

Property Portfolio Management

Properties synced from your letting agent with address, type, status, and agent reference. Per-property income tracked across the tax year.

Deadline Reminders & Alerts

Automated notifications at 30, 7, and 1 day before each quarterly deadline. Submission confirmations and failure alerts delivered by email and in-app.

Annual Reports & Audit Trail

Annual property income statement for your accountant. Every change to a transaction record logged with date, time, and user for HMRC dispute protection.

AUDIT TRAIL / COMPLIANCE RECORD

Every change logged. Every submission evidenced.

If HMRC or a landlord ever disputes a quarterly figure, you need evidence. Every transaction exclusion, category change, and manual edit is stamped with a timestamp and user identity. Your submission history is permanent and exportable.

Every transaction edit captured with timestamp and operator identity
HMRC submission references stored and downloadable
Encrypted credential storage — NINO and OAuth tokens protected at rest
Audit log accessible under Settings for account owners

Audit log showing timestamped record of transaction changes and HMRC submission events

SECURITY / HOW YOUR DATA IS PROTECTED

Government-grade data handling for UK taxpayer records.

AES-256-GCM Encryption

Your National Insurance Number, HMRC OAuth tokens, and bank credentials are encrypted at rest with domain-isolated keys — never stored in plain text.

HMRC OAuth — Never Your Password

You authorise via HMRC's own website. We hold a scoped access grant — only sufficient to make MTD submissions on your behalf. Revoke it at any time.

Full Fraud Prevention Headers

HMRC requires software vendors to submit device and session metadata with every request. We implement the complete Gov-Client header set as mandated.

FAQ / COMMON QUESTIONS

Questions landlords ask before signing up.

AGENTOS-SYNC147 transactions imported — Q1 2026-27 ledger updatedjust now

HMRC-SUBMITQ1 submission accepted — ref MTD-2026-Q1-008422m ago

CATEGORISEBulk recategorise applied to 23 transactions — property_repairs5m ago

DEADLINE-CHECKQ2 due in 18 days — 4 of 6 portfolios ready for submission8m ago

BANK-SYNCBarclays account synced — 12 new transactions pending review14m ago

HMRC-OAUTHHMRC connection refreshed — token valid for 180 days1h ago

AUDIT-LOGTransaction excluded from Q1 submission — logged by account owner2h ago