Making Tax Digital for Landlords

Yes, if your qualifying income is above the relevant Making Tax Digital threshold. For landlords, this usually means gross property income before expenses, with self-employment income counting too.

When MTD for Income Tax applies, you'll need compatible software to maintain digital records and submit updates to HMRC.

The best MTD software for landlords is HMRC-recognised software that makes property income, expenses, digital records and quarterly updates easier to manage. Coconut is built for landlords and self-employed people who want to stay on top of Making Tax Digital without unnecessary admin.

You can use Coconut for Making Tax Digital for landlords. It tracks rental income and expenses, stores receipts, keeps digital records and sends MTD updates through HMRC-recognised software, on mobile or in your web browser.

Coconut helps automate income and expense tracking by securely importing your bank transactions.

From there, you can categorise rental income, property expenses, repairs, insurance, mortgage interest and other costs, so your records stay easier to manage throughout the tax year.

That means less manual data entry and fewer spreadsheet headaches.

Yes. Coconut can help you keep rental income and expenses organised if you have more than one property.

This makes it easier to manage your property income in one place, instead of keeping separate spreadsheets or trying to piece everything together at the end of the tax year.

You can try Coconut free for 14 days, with no card details needed.

Eligible new Zempler users may also be able to get Coconut free for 2 years when they sign up through Coconut, open a Zempler bank account and connect it in the app.

So if you're looking for free MTD software for landlords, Coconut gives you a simple way to get started.

Making Tax Digital changes how affected landlords keep records and report income during the year.

Instead of only pulling everything together once a year, you'll need to keep digital records and submit quarterly updates. You'll also need to finalise your income tax position at the end of the tax year.

If you switched over to MTD in April 2026, you will need to file one final Self Assessment tax return for the 2025/26 tax year by 31 January 2027, in addition to your MTD submission for the 2026/27 tax year. You will then switch over to MTD entirely.

Coconut keeps your records, quarterly updates and year-end tax information connected in one place.

Yes. Coconut is built for landlords, sole traders and self-employed people with more than one income stream.

So, if you have rental income as well as self-employment income, Coconut can help you keep everything organised without needing separate software.

Yes. Coconut can make working with your accountant easier.

Your rental income, expenses, receipts and digital records are kept in one place, so you're not sending over messy spreadsheets or digging through bank statements at the last minute.

Learn more about how Coconut can work with your accountant.

If you own a property jointly, each owner may need to report their own share of the property income under Making Tax Digital, depending on their qualifying income.

Coconut can help you keep the property records organised, but if your ownership split is more complex, it's worth checking the details with your accountant.

Landlords need to keep digital records of property income and expenses.

That can include rental income received, repairs, insurance, letting agent fees, mortgage interest, receipts, invoices and other property costs.

Coconut helps you keep these records organised digitally, so they're easier to use when quarterly updates or your year-end tax submission is due.

HMRC uses a points-based penalty system for late MTD submissions:

The easiest way to reduce deadline stress is to keep your digital records up to date throughout the tax year. Coconut helps by keeping your rental income and expenses organised as you go, so you're not starting from scratch when an update is due.