For landlords

Accounting software for UK landlords

Track income and expenses per property. Apply the mortgage interest restriction automatically. File MTD Income Tax quarterly updates from April 2026 and the full SA105 property pages — without juggling spreadsheets per address.

Start free for 90 daysSee pricing

From £5/month or £50/year · 90-day free trial · No card required

Per-property income & expenses

Each property is its own record. Rent received, agent fees, repairs, insurance, gas safety certificates — all categorised and reported per address.

Mortgage interest restriction

For higher-rate landlords, AccLedger applies the 20% basic-rate tax credit on finance costs automatically. The restriction is reflected on your SA105 and final declaration.

MTD ITSA from April 2026

Landlords with combined gross income over £50,000 must file quarterly from April 2026 (£30k from 2027, £20k from 2028). AccLedger files every update on time.

UK and overseas property

AccLedger separates UK and overseas property businesses as HMRC requires, with the right SA105 and SA106 treatment.

Property allowance & rent-a-room

The £1,000 property income allowance and the rent-a-room scheme are surfaced in your settings — AccLedger picks the option that gives the better outcome.

Capital allowances on FHLs

For Furnished Holiday Lettings (where they still apply), AccLedger handles capital allowances, AIA and the special FHL rules.

A portfolio view, finally

Most accounting tools treat property as an afterthought. AccLedger gives you a portfolio dashboard — every property's annual rent, current occupancy status, repairs spent year-to-date, and net rental profit at a glance.

  • Portfolio dashboard with per-property profit and loss
  • Mileage to inspections and repairs tracked
  • Repair vs improvement classification (revenue vs capital)
  • Documents per property — tenancy agreements, gas safety, EPC

Mortgage interest restriction, calculated for you

Since April 2020, finance costs on residential lets give a 20% basic-rate tax credit instead of being a deductible expense. AccLedger applies the restriction automatically, surfaces the credit on your final declaration, and handles the carry-forward of unused finance costs.

  • 20% basic-rate tax credit applied automatically
  • Carry-forward of unused finance costs across years
  • Section 24 treatment per property and across the portfolio
  • Effective tax rate explained in plain English

MTD ITSA for property businesses

Under MTD for Income Tax, your UK property business is one of the businesses that needs quarterly updates and an EOPS. AccLedger compiles each update from your live transactions and submits to HMRC.

  • Quarterly updates filed for the property business
  • EOPS confirms the year's figures and applies the mortgage interest restriction
  • Final declaration combines property income with employment, dividends and savings
  • Full SA105 supplementary still supported for years pre-MTD-mandate

For accidental landlords through to portfolio investors

Whether you have one buy-to-let, a small portfolio, or a mix of UK and overseas properties — AccLedger scales with you. Add as many properties as you want on any plan; per-property reporting comes as standard.

  • Unlimited properties on any plan
  • UK and overseas property businesses kept separate
  • Joint ownership shares applied per property
  • Furnished Holiday Lettings handled where eligible

Frequently asked questions

How much does AccLedger cost for a landlord?
The Landlord plan is £5 per month or £50 per year (two months free). It includes MTD ITSA filing, automated bank feeds, unlimited properties, mortgage interest restriction handling, and an invite for your accountant.
When does MTD ITSA become mandatory for landlords?
From 6 April 2026, landlords (and sole traders) with combined gross income from self-employment and property over £50,000 must comply. The threshold drops to £30,000 from April 2027 and £20,000 from April 2028. AccLedger gets you ready well before your wave begins.
How is the mortgage interest restriction handled?
For residential lets, AccLedger excludes finance costs from the per-property profit and instead applies a 20% basic-rate tax credit on those costs at the final declaration stage. Unused finance costs are carried forward automatically.
What if I own a property jointly?
You set the ownership share per property (e.g. 50/50 with a spouse). AccLedger reports the right proportion of income and expenses on your return. Each owner needs their own AccLedger account if they file separately.
Can I track multiple properties?
Yes. There is no per-property charge. Add as many properties as you want — AccLedger keeps each one separate and produces a portfolio dashboard plus per-property and total reports.
How are repairs vs improvements treated?
Repairs that maintain a property are deductible against rental income (revenue). Improvements that enhance it are capital expenditure and deducted against the eventual sale (capital). AccLedger asks you to classify when categorising and the treatment follows automatically.
What about Furnished Holiday Lettings?
AccLedger supports FHL where it still applies. Capital allowances, AIA, and the special FHL rules are handled. The Spring 2024 abolition of FHL status from April 2025 is reflected in current tax-year reporting.
I also have a sole trade — does that work?
Yes. Many landlords have other income — a sole trade, employment, or both. AccLedger keeps the property business separate (one quarterly update, one EOPS) but combines everything in the final declaration. The Sole Trader plan covers both worlds for £7.50/month.

Explore more

MTD ITSA software

Quarterly updates, EOPS and final declaration explained.

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Self assessment & SA100

SA105 property pages and every other supplementary form supported.

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For sole traders

If you also run a self-employed trade alongside your rentals.

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Stop wrestling with property spreadsheets

One place for every property, every receipt, every rent payment — and every HMRC submission. Try it free for 90 days.

Start free for 90 daysSee pricing

From £5/month or £50/year · 90-day free trial · No card required