Landlo
Effortless MTD
for UK landlords
Built for individual UK landlords who want MTD compliance without the complexity. AI classifies your transactions, and Landlo submits directly to HMRC. 5 minutes per quarter. That's it.
Launching April 2026 — join the waitlist for early access.
Making Tax Digital starts
April 2026. Are you ready?
HMRC is replacing annual Self Assessment tax returns with quarterly digital submissions for landlords. If you earn above the threshold, compliance isn't optional.
Manual bookkeeping is dead
From April 2026, HMRC no longer accepts paper records or spreadsheets. All rental income and expenses must be tracked in MTD-compatible software.
Accountants cost £200–500/year for simple work
For routine bookkeeping that software can handle. Most landlords with 1–15 properties are overpaying for work that Landlo automates for a fraction of the cost.
Quarterly deadlines mean quarterly stress
Miss a filing deadline and you get a penalty point. Accumulate 4 points and you’re fined £200. Then it compounds. Every. Single. Quarter.
Software is required — not optional
You cannot submit MTD returns through the HMRC portal. You must use MTD-compatible software that connects to HMRC via their APIs. There is no manual alternative.
Making Tax Digital,
explained simply
Making Tax Digital for Income Tax Self Assessment (MTD ITSA) replaces the traditional annual tax return. Instead of one submission per year, landlords report income digitally four times a year through compatible software like Landlo.
Keep digital records
All rental income and expenses must be recorded in MTD-compatible software — like Landlo.
Submit quarterly updates
Every 3 months, send a summary of your income and expenses to HMRC through your software. Four updates per tax year.
File a Final Declaration
At year-end, submit your full annual return — including Section 24 mortgage interest relief — by 31 January.
Built for landlords,
powered by AI
Landlo handles the entire MTD workflow — from importing bank transactions to submitting quarterly returns to HMRC. You review and confirm. That's it.
AI transaction classification
Upload a bank statement and our AI instantly categorises every transaction into HMRC SA105 expense categories. No rules to configure — it learns your patterns.
CSV bank statement upload
Import statements from Barclays, HSBC, Lloyds, NatWest, Monzo, Starling and more. Auto-detection identifies your bank format instantly.
SA105 expense mapping
Every expense is mapped to the correct HMRC category — premises costs, repairs, professional fees, cost of services, travel. No guesswork.
Quarterly HMRC submission
Review your AI-categorised transactions, confirm, and submit directly to HMRC through their Property Business API. Four clicks per quarter.
Section 24 handling
Mortgage interest is tracked separately from expenses — exactly as HMRC requires. The 20% basic-rate tax credit is calculated correctly in your annual return.
Per-property dashboard
See income, expenses, profit, and tax estimates for each property — or your entire portfolio at a glance. Joint ownership splits calculated automatically.
Four steps.
Five minutes.
Upload your bank statement
Export a CSV from your bank and drag it into Landlo. We auto-detect the format from Barclays, HSBC, Lloyds, NatWest, Monzo, Starling, and more.
AI classifies every transaction
Our AI reads each transaction description and maps it to the correct HMRC SA105 category — repairs, running costs, professional fees, travel, and more. Anything uncertain is flagged for your review.
Review and confirm
Everything is pre-categorised. You simply review, make corrections if needed, and confirm. The AI learns from your corrections and gets smarter over time.
Submit to HMRC
When the quarter ends, hit submit. Landlo sends your income and expenses directly to HMRC through their Property Business API. You get confirmation instantly.
Not another
accounting tool
Enterprise platforms are overkill. Generic tools don't understand property income. Landlo is the simplest path from bank statement to HMRC submission — built for individual landlords, not property empires.
AI-first, not rule-based
Competitors use rigid rule engines that require you to set up classification rules manually. Landlo uses AI to understand transaction descriptions in context — like a real accountant reading your bank statement.
Made for individual landlords
Not a generic accounting tool or an enterprise property platform. Landlo is built for individual UK landlords — every screen, every category, every calculation is designed around the SA105 property income form.
Effortless from day one
You don’t need to know the difference between accruals and cash basis. Upload your transactions, let AI classify them, and submit to HMRC in one click. No setup, no configuration, no accountant required.
When does this
affect you?
MTD for Income Tax rolls out in phases based on gross income. The tax year runs 6 April to 5 April.
Landlords and sole traders with gross income above £50,000 must begin keeping digital records and submitting quarterly updates.
~864,000 affectedThe threshold drops to £30,000 gross income, bringing millions more landlords into the MTD regime.
Millions moreFurther expansion to landlords earning above £20,000. The vast majority of buy-to-let landlords will be required to comply.
Most landlordsQuarterly filing schedule
Four submissions per tax year, plus a Final Declaration by 31 January.