For landlords

Accounting software for UK landlords

Track income and expenses per property. Apply the mortgage interest restriction automatically. Prepare and submit your MTD Income Tax quarterly updates and work out your SA105 property figures — without juggling spreadsheets per address.

Start free for 30 daysSee pricing

From £5/month or £50/year · 30-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

If you let residential property personally, finance costs give a 20% basic-rate tax credit instead of a deduction. AccLedger applies this automatically and reflects it on your SA105 figures 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 prepares each update from your records for you to review and submit.

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

Use the £1,000 property income allowance or Rent a Room relief where they apply, instead of claiming actual expenses.

Holiday lets after FHL

The Furnished Holiday Lettings regime ended on 5 April 2025. Former FHLs are now reported as part of your ordinary property business, and AccLedger keeps them alongside your other lets.

A portfolio view, finally

Most accounting tools treat property as an afterthought. AccLedger keeps every property as its own record, so you can see each one's rent, costs and net rental profit as well as the portfolio total.

  • Per-property income, expenses and profit
  • Portfolio totals across all your properties
  • Ownership share set per property
  • Import rent and expenses from a spreadsheet

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 end-of-year submission. AccLedger compiles each update from your live transactions; you review it and submit it to HMRC from AccLedger.

  • Quarterly updates prepared for the property business, ready for you to submit
  • End-of-year submission confirms the year's figures, with finance costs reported for the mortgage interest restriction
  • Final declaration combines property income with employment, dividends and savings
  • SA105 property figures worked out for years before you join MTD

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
  • Former Furnished Holiday Lettings kept with your other lets

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, optional 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: they are not deducted from rental profit, but can reduce Capital Gains Tax when you sell. Record improvements separately from repairs so they stay out of your rental expenses.
What about Furnished Holiday Lettings?
The FHL regime was abolished from 6 April 2025. From the 2025/26 tax year, former FHLs are part of your ordinary UK or overseas property business, with the same rules as other lets, including the finance cost restriction.
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 (its own quarterly updates and end-of-year submission) but combines everything in the final declaration. The Sole Trader plan covers both worlds for £7.50/month.

Explore more

MTD ITSA software

Full end-to-end: quarterly updates, end of year and final declaration explained.

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Self assessment & SA100

SA105 property figures and the other supplementary pages worked out for you.

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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 30 days.

Start free for 30 daysSee pricing

From £5/month or £50/year · 30-day free trial · No card required