Landlord tax software.
MTD ITSA + SA105. £24 per filing. No subscription.
UK landlords with income above £50,000 must now file quarterly updates to HMRC under Making Tax Digital. EasyTax handles your MTD ITSA quarterly updates and your Self Assessment — including the SA105 property income supplement — for £20 + VAT (£24 inc. VAT) per submission. No monthly subscription, no accountant required.
MTD ITSA has been mandatory for landlords since April 2026
Making Tax Digital for Income Tax Self Assessment (MTD ITSA) requires UK landlords and sole traders to send quarterly income and expense updates to HMRC digitally — in addition to the existing annual Self Assessment. If your total property income (plus any self-employment income) exceeds the threshold, you must use Software like EasyTax, which connects to the HMRC MTD API,.
April 2026
MTD ITSA: £50k+
Quarterly updates now mandatory for landlords and sole traders with total income over £50,000 per year.
April 2027
MTD ITSA: £30k+
Threshold drops to £30,000. Around 1.4 million more landlords and sole traders join the quarterly filing cycle.
Ongoing
MTD VAT: £90k+
If you are VAT-registered (for furnished holiday lets or a trading business), MTD VAT is already mandatory.
EasyTax vs an accountant vs a full accounting suite
For a UK landlord who mainly needs MTD ITSA compliance and Self Assessment
EasyTax
£24 / filing
Accountant
£400–£1,200/yr
Suite (Xero etc.)
£144–£708/yr
Pricing model
EasyTax charges per HMRC submission; accountants charge annually; software suites charge monthly subscription
MTD ITSA quarterly updates
Self Assessment — SA100
Property income supplement — SA105
EasyTax files the SA105 property pages alongside the SA100 main return
Open Banking auto-import of rental income
Connect your UK bank via Open Banking — rental credits are imported automatically
AI categorisation of rental expenses
EasyTax uses Claude AI to categorise repairs, insurance, mortgage interest and agent fees against HMRC allowable expenses
AI bank reconciliation chat
MTD VAT submission
CT600 Corporation Tax (Ltd BTL)
For landlords who hold property in a limited company (Buy-to-Let Ltd)
No card to sign up
No monthly subscription
Capital Gains Tax (CGT) advice
EasyTax covers income tax filings; CGT on property disposal requires a specialist
Full bookkeeping / accounts preparation
EasyTax focuses on HMRC filing; full bookkeeping is not included
Payroll for portfolio companies
Accountant fees are indicative for simple landlord Self Assessment cases. Accounting suite pricing reflects Xero and similar mid-range plans as of mid-2026. EasyTax is not affiliated with any third party mentioned.
How EasyTax works for landlords
- 1
Connect your bank via Open Banking
Link your UK bank account in under 2 minutes. Rental payments are automatically imported as property income. Maintenance payments, insurance direct debits, and agent fees are imported and AI-categorised.
- 2
Review and confirm your income and expenses
EasyTax groups your transactions into HMRC categories — rental income, repairs, insurance, mortgage interest, agent fees. You review and confirm in a simple dashboard. The AI handles the categorisation; you stay in control.
- 3
File your quarterly MTD ITSA update
Once you have confirmed the quarter's figures, submit your update to HMRC with one click. EasyTax uses the official MTD ITSA API — you get a submission receipt. Typical time: under 5 minutes per quarter.
- 4
File your Self Assessment at the end of the tax year
At year end, EasyTax consolidates your four quarterly updates into the SA100 main return and the SA105 property income supplement. Review the figures, submit, and download your confirmation.
- 5
Pay your tax bill directly to HMRC
EasyTax shows you your estimated tax liability as the year progresses. When the final bill is confirmed after Self Assessment, you pay HMRC directly — not through EasyTax.
Honest tradeoffs
EasyTax is the right fit if…
- You have one to a handful of buy-to-let or residential rental properties.
- Your main goal is HMRC compliance at the lowest cost — not full bookkeeping software.
- You want Open Banking to automate income/expense tracking so you are not manually entering data.
- You are paying £400–£1,200/year for an accountant to do a straightforward landlord Self Assessment — and want to do it yourself for £120/year.
Consider a specialist if…
- You are disposing of property and need Capital Gains Tax (CGT) calculations and reporting.
- You have a large portfolio (10+ properties) with complex ownership structures or partnership arrangements.
- You hold property in a limited company and need full company accounts prepared for Companies House as well as HMRC.
- You need advice on tax planning, mortgage structuring, or portfolio optimisation.
Landlord MTD ITSA — frequently asked questions
When does MTD ITSA apply to landlords?+
From 6 April 2026, landlords whose total property income (plus any self-employment income) exceeds £50,000 per year must use MTD-compatible software to file quarterly updates to HMRC. The threshold drops to £30,000 from 6 April 2027. If you are above the threshold, you are already required to file quarterly — EasyTax is built on the HMRC MTD API for this.
What is an SA105 and does EasyTax file it?+
The SA105 is the property income supplementary page attached to your Self Assessment (SA100) return. It captures UK property rental income, allowable expenses (repairs, insurance, mortgage interest, letting agent fees), and calculates the taxable profit or loss. EasyTax files the SA105 as part of your full Self Assessment submission — no separate step required.
What rental expenses can I claim through EasyTax?+
EasyTax supports all standard HMRC-allowable landlord expenses: mortgage interest (subject to Section 24 restrictions), letting agent fees, property management costs, repairs and maintenance (not capital improvements), buildings and contents insurance, ground rent and service charges, utility bills you pay, and accountancy fees. Our AI categorisation maps your bank transactions to the correct expense categories automatically.
Do I need an accountant if I use EasyTax?+
For most straightforward landlords — those with one or a few buy-to-let properties, no complex structures, and no property disposals — EasyTax handles all the HMRC filings you need. If you have a large portfolio, properties held in a limited company, or are disposing of property (CGT), you may benefit from a specialist tax adviser alongside EasyTax for the filings.
I hold my property in a limited company. Can I use EasyTax?+
Yes — EasyTax supports CT600 Corporation Tax filing and company accounts (P&L and Balance Sheet) for limited company landlords (buy-to-let Ltd). The MTD ITSA quarterly update requirement applies to the individual director's personal income, not the company itself.
How does Open Banking work for rental income?+
Connect your UK bank account via Open Banking from the EasyTax dashboard. Rental payments credited to your account are automatically imported and tagged as property income. Expenses debited — insurance direct debits, maintenance payments, agent fees — are imported and AI-categorised. You review and confirm before any HMRC submission.
What happens between quarterly updates and the final Self Assessment?+
Each quarter you file a short MTD ITSA update with your rental income and expenses — this takes about 5 minutes in EasyTax. At the end of the tax year you submit the full Self Assessment (SA100 + SA105), which consolidates the quarterly figures and calculates your final tax bill. You pay your tax bill directly to HMRC, not through EasyTax.
MTD ITSA is here for landlords.
File for £24 a submission — not £1,000/year.
No card required. Connect your bank and file your first quarterly update in under 10 minutes.