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.

503 FEATURES SHIPPED

Built for the full MTD ITSA lifecycle

From your letting agent's software to HMRC's servers — every step of quarterly Making Tax Digital compliance is handled. No manual exports. No spreadsheets. No guesswork.

HMRC DIRECT CONNECTION

Authorise once. Submit every quarter.

Connect directly to HMRC via their official OAuth2 flow — your HMRC password is never shared with us. Once authorised, the platform holds a secure, encrypted token that auto-renews, so your quarterly submission path stays open year-round.

HMRC MTD OAuth2 — authorise directly on HMRC's own website
Encrypted credential storage with automatic token refresh
Revocable at any time via HMRC's Manage Authorised Applications
HMRC fraud-prevention headers included on every submission

MTD dashboard showing HMRC connection status

LETTING AGENT SYNC

Your letting agent's transactions, ready to submit

Connect to your letting agent's AgentOS software and every statement entry — rent collected, management fees, maintenance deductions — imports automatically and maps to the correct HMRC property income categories.

Automatic import Daily incremental sync pulls new statement lines the moment they appear in your agent's system
Property matching Transactions attach to the correct property record automatically — no manual assignment
HMRC category mapping AgentOS income and expense types map directly to HMRC's required property income categories
Duplicate guard Every import checks external references — the same transaction is never counted twice

STEP 01 — IMPORT
Transactions arrive from your agent
AgentOS sync runs daily. New statement lines — rent, fees, repairs — land in your transaction ledger automatically.
STEP 02 — CATEGORISE
Each line maps to an HMRC category
Income and expenses are assigned to the correct HMRC box — rental income, repairs, management fees, finance costs. You review and override any line.
STEP 03 — COMPUTE
Quarter figures calculated instantly
Click Compute and the platform aggregates income, expenses and net profit for the quarter — pulled live from your categorised transactions.
STEP 04 — SUBMIT
One click to HMRC
Review the figures, confirm, and submit. The platform sends the quarterly update directly to HMRC via the MTD ITSA API and stores the confirmation reference.

0.1sagentos/incremental-sync.started

0.8s→ 12 new transactions fetched from Pinnacle Properties

1.2s→ matched to 4 properties, 0 duplicates

0.0stransactions.recategorise { id: txn_482 }

0.3s→ category: property_repairs confirmed

0.6s→ 0 uncategorised transactions remaining

0.0squarterly-summary.computeBusiness { Q2 2026-27 }

0.4s→ totalIncome: £14,200.00

0.6s→ totalExpenses: £3,150.00 netProfit: £11,050.00

0.0shmrc/quarterly-submit.enqueued { summaryId: qs_91 }

1.1s→ HMRC status: Fulfilled

1.4s→ correlationId: HMRC-2026-Q2-19AX stored

OPEN BANKING

Bank transactions as a supplement, not a source of confusion

Connect your bank account via Open Banking for expenses your letting agent doesn't see — insurance premiums, mortgage interest, professional fees. Bank transactions are opt-in only and never automatically mixed with agent-sourced records, so you control exactly what enters your HMRC submission.

TrueLayer Open Banking connection — major UK banks supported
Bank transactions require explicit opt-in before entering your tax ledger
Clear warning when a bank transaction may duplicate an agent-sourced entry
Bank OAuth tokens encrypted at rest with AES-256-GCM

TRANSACTION LEDGER & CATEGORISATION

Every penny in its correct HMRC box

The transaction ledger is the quality gate between imported data and a valid HMRC submission. Categorise individually, bulk-assign by type, or add manual entries for cash transactions.

HMRC category mapping

Transactions map to HMRC's required property income categories — rental income, repairs, finance costs, management fees and more.

Bulk recategorisation

Select multiple transactions and assign the same HMRC category in one action — particularly useful after an initial agent sync.

Filter to what matters

Filter by uncategorised only, by property, by date range or by source — so you always know exactly which transactions still need review.

Inline notes

Annotate any transaction with a note. Useful for explaining unusual expenses or flagging queries for your accountant.

Manual transactions

Add cash income or expenses that don't appear in any feed. Manual entries are tracked separately so the source is always clear.

Running totals

Income, expenses and net profit update in real time as you categorise — so you see your quarterly position without waiting for a compute run.

QUARTERLY SUMMARY DASHBOARD

Four quarters. One screen. No chasing.

The quarterly dashboard shows all four HMRC periods for the current tax year — their status, running totals, deadline countdown, and submission history — so you know at a glance whether you're on track.

Per-quarter income, expenses and net profit breakdown
Deadline countdown with overdue/due-soon badges
Submission readiness checklist before you can submit
Amendment history tracked with count and date

Tax year selector — view current and previous years
Annual final declaration (crystallisation) pathway
Quarterly archive view at /dashboard/quarterly/archive
Submission confirmation references stored per quarter

PROPERTY PORTFOLIO

Properties are the centre of your tax picture

Every income and expense line attaches to a property record. The portfolio view shows rental income this tax year per property, sync status from your letting agent, and the property type that determines which HMRC categories apply.

Properties auto-created when your letting agent sync runs
Rental income this tax year shown per property row
Property type mapped to HMRC categories — residential, commercial
Address lookup on manual property entry for UK addresses
Archive properties without losing historical transaction data

503

Features shipped

Every capability listed here is live in the platform today.

SECURITY & COMPLIANCE

Government-grade data handling

National Insurance Numbers, HMRC OAuth tokens and bank credentials are treated with the same seriousness as the government data they unlock.

AES-256-GCM encryption

HMRC tokens, National Insurance Numbers, bank OAuth credentials and sort codes are all encrypted at rest before hitting the database.

NINO validation

National Insurance Numbers are validated to the correct UK format before storage and used only for HMRC OAuth state — never logged in plaintext.

Admin RBAC enforcement

Role-based access control enforced server-side on all admin pages. Owner, admin and member roles with separate permission gates.

AUDIT LOG & TRANSPARENCY

A complete record of every change

Every time a transaction is categorised, excluded, amended or included in a submission, the audit log records who did it, when, and what changed. If HMRC or a landlord ever questions a figure, you have the evidence trail.

Timestamped log of every transaction edit, categorisation and exclusion
HMRC submission events — enqueued, submitted, confirmed, failed
Accessible from the top-right menu under Audit
Background job activity visible separately under Jobs

Audit log screen showing timestamped events

DEADLINE MANAGEMENT & NOTIFICATIONS

Never miss an HMRC deadline

Q2 DEADLINE14-day reminder sent — quarterly submission due 5 Nov 202608:00

AGENTOS SYNCIncremental sync completed — 8 new transactions imported for Pinnacle Properties02:14

HMRC TOKENAccess token refreshed automatically — valid for another 4 hours01:58

Q1 SUBMITTEDQuarterly update accepted by HMRC — correlationId HMRC-2026-Q1-77BX storedyesterday

BANK SYNC6 new bank transactions fetched from Barclays — awaiting opt-in review02:01

UNCATEGORISEDWeekly digest — 3 transactions still need an HMRC category before Q2 can be submitted09:00