Question 1

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

Accepted Answer

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.

Question 2

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

Accepted Answer

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.

Question 3

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

Accepted Answer

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.

Question 4

Is my National Insurance Number and financial data stored securely?

Accepted Answer

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.

Question 5

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

Accepted Answer

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.

Question 6

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

Accepted Answer

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.

Questions landlords ask before their first submission

This is what your quarterly workflow looks like

Everything you wanted to ask your accountant

Transactions from your letting agent — without the copy-paste

Your HMRC password stays with HMRC

Encrypted credential storage

Deadline reminders built in

Every categorisation change is logged and timestamped

Not finding your answer here?

Ready to file your first quarter?