[ HOW IT WORKS / MTD-ITSA ]
Four steps from letting agent to HMRC
No accountant required for the quarterly cycle. Connect once, categorise your transactions, and submit directly to HMRC through the government's own Making Tax Digital API.
- STEP 01 — CONNECT
Link your letting agent and HMRC account
Authorise access to your AgentOS letting agent software and connect to HMRC via OAuth2. Your HMRC password is never shared — you grant access directly on HMRC's own website and can revoke it at any time.
- STEP 02 — IMPORT
Transactions pulled from your letting agent
The platform fetches your rental income, management fees, maintenance deductions, and other line items directly from your letting agent's software. Each transaction is timestamped and tagged to the correct property — no CSV uploads, no copy-paste.
- STEP 03 — CATEGORISE
Map each transaction to HMRC's categories
Every transaction needs an HMRC property income category — rental income, repairs and maintenance, finance costs, management fees, and so on. The transaction ledger lets you categorise one at a time or in bulk. The quarterly submission is blocked until all transactions are assigned.
- STEP 04 — SUBMIT
Compute the quarter and file with HMRC
The platform aggregates income and expenses to the exact totals HMRC expects, validates against open obligations, and submits the quarterly update directly via the MTD ITSA API. You receive a confirmation with HMRC's correlation ID. The full audit trail is stored — every submission logged with timestamp, figures, and HMRC response.
[ TRANSACTION LEDGER / CATEGORISE ]
Every transaction visible, every category enforced
The transaction ledger shows every line item imported from your letting agent alongside any bank transactions you've chosen to include. HMRC category badges sit on each row — uncategorised transactions are flagged in amber and blocked from quarterly submissions until resolved.
Letting agent transactions included automatically — bank transactions are opt-in only
Bulk-categorise multiple rows in one action
Add notes to any transaction for your records
Filter by property, category, source, or date range
Every change logged in the audit trail
[ LETTING AGENT SYNC / AGENTOS ]
Your letting agent's software is the primary source
Connect to letting agents using AgentOS software. The platform discovers your linked landlord accounts, imports all properties, and begins pulling transactions automatically. Incremental syncs keep your ledger current after every statement cycle.
Discover accounts by email — no manual landlord IDs
Properties imported automatically with agent reference
Per-link error isolation — one failing agent does not block others
Sync triggered manually or on a schedule
[ HMRC CONNECTION / OAUTH2 ]
Connected to HMRC — not a workaround
HMRC authorisation happens on HMRC's own website. The platform never sees your HMRC password. Tokens are encrypted at rest using AES-256-GCM and auto-refreshed. You can revoke access at any time via HMRC's Manage Authorised Applications.
OAuth2 — no passwords stored
You authorise directly on HMRC's website. The platform receives a scoped access token, nothing more.
Encrypted credential storage
HMRC tokens, your National Insurance Number, and bank credentials are all encrypted using AES-256-GCM with isolated keys per data type.
Full audit trail
Every submission, every categorisation change, every login — logged with timestamp and user identity. Built for compliance disputes.
[ OPEN BANKING / OPT-IN ]
Bank transactions — when you want them
Open Banking via TrueLayer gives you visibility of your bank account alongside your letting agent statements. Bank transactions are optional and must be explicitly included — they do not auto-promote to your HMRC ledger. This keeps your submissions clean and prevents duplicate entries.
Connect a UK bank account via Open Banking (TrueLayer)
Review bank transactions in a separate panel before including
Explicit opt-in prevents double-counting letting agent entries
Bank consent managed with expiry reminders
[ AUDIT LOG / COMPLIANCE RECORD ]
A complete record — not just a submission receipt
The audit log records every change to every transaction record — who categorised it, when they changed it, what value it was before. If a dispute arises over an HMRC submission, you have a timestamped trail showing exactly what the software did and when.
Transaction-level changes Every include, exclude, edit, or categorisation change is logged with the user and timestamp.
Submission history Each quarterly submission records the figures sent to HMRC, the response status, and the HMRC correlation ID.
Available under your account menu Accessible directly from the top-right profile menu — not buried in settings.
[ REMINDERS / AUTOMATED WORKFLOWS ]
The platform tracks deadlines so you do not have to
Quarterly deadline reminders
30-day, 7-day, and 1-day reminders before each HMRC quarterly deadline — in-app and by email.
Uncategorised transaction alerts
Weekly digest of any transactions still needing an HMRC category, with a breakdown by property.
HMRC token expiry warnings
Reminders at 30 days and 7 days before your HMRC authorisation expires, so submissions never fail mid-quarter.
[ FAQ / COMMON QUESTIONS ]
Questions about the process
[ GET STARTED ]
Ready to file your first quarter?
Connect your letting agent, categorise your transactions, and submit directly to HMRC. Questions? Email us at sf-core-org-support-making-tax-digital@saas-factory.ai