Built for landlords who let through agents
If your rent is collected by a letting agent whose software runs on AgentOS, your transactions are already waiting. Here is exactly what the platform does for each type of landlord — and where you fit.
PERSONA 01 — THE PORTFOLIO LANDLORD
Multiple properties, one letting agent, four deadlines a year
You own five or more properties, all managed through a letting agent whose back-office runs on AgentOS. Every month your agent collects rent, deducts management fees, and pays maintenance invoices — but come quarter-end you're manually transcribing statements into a spreadsheet for your accountant.
AgentOS sync imports every rent receipt and maintenance deduction automatically Statement entries arrive in your transaction ledger within minutes of a manual sync.
Each transaction maps to the correct HMRC property income category Rent received, repairs and maintenance, management fees — pre-mapped, editable.
Quarterly figures computed per HMRC business in one click Income, expenses and net profit rolled up to the exact format HMRC expects.
Submit all four quarters directly to HMRC via the MTD API No CSV export, no third-party portal — authorised submission from the same screen.
PERSONA 02 — THE HANDS-OFF LANDLORD
Your agent handles everything. MTD shouldn't add paperwork.
You have one or two properties, a good letting agent, and zero interest in tax admin. MTD ITSA mandates quarterly HMRC submissions from April 2026 — whether you want them or not. You need the obligation met with the least possible friction.
Connect once, sync automatically Authorise your AgentOS letting agent link and your transactions import on every sync cycle.
Categorisation memory Once you map a transaction type, the same mapping applies to future imports from the same source.
Deadline reminders before you miss them 14-day and 3-day notifications arrive in-app and by email before each HMRC quarterly deadline.
HMRC connects directly — your password is never shared You authorise on HMRC's own website. We hold only the OAuth token HMRC issues.
From letting agent statement to HMRC receipt — in four steps
- STEP 01 — CONNECT
Link your letting agent
Authorise your AgentOS connection with the API credentials your letting agent provides. Discovery finds every landlord account linked to your portfolio.
- STEP 02 — IMPORT
Transactions flow in automatically
Statement entries — rent received, management fees, maintenance costs — import into your transaction ledger with source, date and amount preserved.
- STEP 03 — CATEGORISE
Map to HMRC income and expense categories
Assign each transaction to the correct HMRC property income or expense category — rental income, repairs, finance costs, management fees. Bulk-categorise similar entries in one action.
- STEP 04 — SUBMIT
Compute and submit to HMRC
Compute your quarterly figures — income, expenses, net profit. Review totals in the confirmation screen, then submit directly to HMRC via the MTD API. The correlation ID is stored in your audit log.
You know the deadlines are coming. You want proof they're met.
MTD ITSA requires four quarterly submissions per tax year plus an annual final declaration. The platform tracks every obligation — and tells you the status of each one before HMRC asks.
Quarterly deadline countdowns on the dashboard A compliance ribbon shows days remaining to the next HMRC obligation — amber at 14 days, red at 7.
Submission history with HMRC correlation IDs Every accepted quarter shows the HMRC-issued reference, submission timestamp, and net figures submitted.
Encrypted audit log for every change Every transaction edit, category change, exclusion and submission is logged with a timestamp. A complete audit record protects you if a submission is ever questioned.
Annual final declaration support When all four quarters are accepted, the Finalise Tax Year button sends the crystallisation declaration to HMRC to close the tax year.
Your bank sees income your agent statement doesn't
Cash expenses, service charges paid directly, ground rent — some costs never appear on your agent's statement. Open Banking lets you bring those transactions in too, on an opt-in basis.
Connect via TrueLayer Open Banking Authorise read-only access to your bank account — no login credentials shared, OAuth only.
Bank transactions are opt-in, not automatic You choose which bank transactions to include in your ledger. AgentOS letting agent data remains the primary source for HMRC submissions.
Clear warning against double-counting The transaction ledger flags when a bank entry might duplicate an AgentOS statement line already in your ledger.
Assign bank transactions to properties Match a bank credit or debit to the relevant property so it contributes to the right quarterly total.
What the platform actually does
Every capability listed here is live in the platform — matched to the workflows landlords run day to day.
AgentOS Letting Agent Sync
Import rent receipts, management fees and maintenance entries directly from your letting agent's AgentOS software. Bulk and incremental sync keep your ledger current.
HMRC MTD OAuth Connection
Authorise directly on HMRC's own website. We store only the OAuth tokens HMRC issues — your HMRC password is never seen by this platform.
HMRC Category Assignment
Map each transaction to the correct HMRC property income or expense category. Bulk-categorise similar entries. The ledger flags any uncategorised lines before submission.
Quarterly Summary Builder
Compute income, expenses and net profit for each HMRC quarter with one click. Running totals update as you categorise, so the figures you see match what gets submitted.
Encrypted Credential Storage
Your National Insurance Number, HMRC tokens and bank OAuth credentials are encrypted at rest using AES-256-GCM with domain-isolated keys.
Audit Trail for Every Change
Every transaction edit, category change, exclusion and submission is logged with a timestamp. A complete audit record protects you if a submission is ever questioned.
Deadline Reminders
14-day and 3-day notifications before each HMRC quarterly deadline, delivered in-app and by email. A compliance ribbon on the dashboard shows days remaining.
Open Banking via TrueLayer
Connect your bank account via Open Banking to optionally include bank transactions in your ledger — useful for expenses your agent statement doesn't capture.
Annual Statement Report
Generate a printable annual property income statement for your accountant, covering all four quarters plus final declaration status for the tax year.
Common questions about how this works
Your agent is already on AgentOS. Your first quarterly submission is closer than you think.
MTD ITSA obligations begin April 2026. Connect your account, sync your transactions, and submit your first quarter before the deadline arrives.
Questions? Email sf-core-org-support-making-tax-digital@saas-factory.ai