Making Tax Digital for Landlords Is Now Mandatory. Is Your Rental Income Ready for HMRC?
If your property income exceeded £50,000 in 2024/25, HMRC now requires quarterly digital updates using approved software, starting with the 7 August 2026 deadline. But filing on time isn’t the real risk. It’s filing the wrong numbers!
Tell us your rental setup. We’ll tell you exactly what MTD means for you.
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MTD for Landlords Requires More Than Just Software
Four Deadlines a Year. Here’s Where You Stand.
- Self-employment income and rental income file as separate quarterly streams
- Joint ownership means two taxpayers on two different MTD timelines. Even on the same property, each owner files separately, and a 50/50 split assumption can be wrong if a Form 17 was never submitted
- Mortgage interest caps at 20% tax credit relief, not a straight deduction. Former FHL landlords carry the most exposure here
- 2026/27 soft landing covers late update points only. File something inaccurate, or miss your Final Declaration by 31 January 2028, and penalties apply from day one
We’ll review your income streams, confirm your phase, and give you a straight answer.
Everything Between Now and Your Final Declaration
Digital record-keeping setup and MTD ITSA onboarding via Xero (Silver Partner), QuickBooks, and FreeAgent
Four quarterly MTD updates per tax year, per income stream
Rental income structuring review across residential, commercial, and jointly owned properties
Making Tax Digital property income compliance review for former FHL landlords
End of Period Statement (EOPS) preparation per income stream
Final Declaration filing by 31 January
Self Assessment support covering all income sources
HMRC correspondence and compliance review
Year-round tax advisory
What Our Clients Say
Questions Landlords Ask
Yes. Property income and self-employment income each need their own quarterly update stream. Structuring it correctly before the first submission matters.
Not yet. Between £30,000 and £50,000, you join in April 2027. Starting your software setup now means less pressure when the threshold catches you.
Submissions go through HMRC-approved software. Xero, QuickBooks, and FreeAgent are the most widely used. We’re a Xero Silver Partner with specific MTD ITSA experience and will handle the onboarding from day one.
Yes, if you each individually exceed the income threshold. Each owner files separately. We can set up and manage both positions.
Yes. The FHL regime was abolished on 5 April 2025. Your holiday let income now falls under standard property income rules with different expense treatment and its own MTD rental income stream from April 2026. If you haven’t reviewed your setup since the change, do that before your first submission.
In 2026/27, HMRC’s soft landing covers late quarterly update points only. Inaccuracies and late Final Declarations carry penalties from day one. From April 2027, four missed submissions in a rolling 12 months triggers a £200 fine, with a further £200 for each miss after that.
MTD Is Live. The First Quarterly Deadline Is 7 August 2026.
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