Connect your letting agent, import your rental income and expenses, and submit quarterly returns directly to HMRC — no spreadsheets, no manual data entry, no missed deadlines.
[ HOW IT WORKS — FOUR STEPS ]
The full MTD ITSA submission cycle runs automatically once your letting agent software is connected. You review, you approve, you submit.
Authenticate with AgentOS via OAuth. Your properties, tenancy records, and statement entries sync automatically — no CSV exports, no copy-paste.
Transactions arrive pre-mapped to HMRC property income categories — rent received, repairs, finance costs, management fees. Review and override anything that needs a human eye.
Hit Compute Quarter and the platform aggregates income and expenses across all properties into the HMRC-required format. Running totals update as you categorise — no surprises at submission time.
One click sends your quarterly update to HMRC over their official Making Tax Digital API. You get a confirmation reference. Your obligation is marked Fulfilled. Done.
[ TRANSACTION LEDGER / HMRC CATEGORISATION ]
Every transaction maps to an HMRC property income category — rent received, repairs and maintenance, finance costs, letting agent fees, and more. The ledger shows your running quarterly totals as you work, so you know exactly where each submission stands before you click submit.
Inline categorisation Change a transaction's HMRC category directly in the ledger row — no modal, no page reload
Bulk recategorisation Select multiple transactions and apply one category across all of them in a single action
Uncategorised count A live count of transactions still needing review keeps you from submitting incomplete data
If your rental income exceeds the MTD ITSA threshold, quarterly HMRC submissions become mandatory from April 2026. Get your letting agent connected, your properties imported, and your first quarter computed well before the deadline.
Questions? Email us at sf-core-org-support-making-tax-digital@saas-factory.ai
[ LETTING AGENT SYNC / AGENTOS ]
Letting agents using AgentOS software post rent receipts, maintenance charges, management fees, and statement entries directly into your HMRC transaction ledger. No double-entry, no bank-statement reconciliation required for agency-managed income.
Incremental sync pulls new statement entries as they are posted
Properties imported automatically from your letting agent portfolio
[ OPEN BANKING / OPTIONAL ]
Connect your bank via Open Banking to see transactions alongside your letting agent statements. Bank imports are opt-in only — you explicitly choose which bank entries to include in your tax ledger, preventing double-counting agency receipts that also appear as bank credits.
Open Banking connection — major UK banks supported
[ CORE CAPABILITIES ]
Submit all four quarterly updates directly to HMRC's MTD ITSA API. Obligation status updates automatically after each accepted submission.
HMRC OAuth tokens, National Insurance Numbers, and bank credentials stored with AES-256-GCM encryption. Keys isolated by data classification.
[ COMPLIANCE BUILT-IN ]
You authorise access directly on HMRC's own website via their official OAuth2 flow. We are granted permission to make submissions on your behalf — permission you can revoke at any time via Manage Authorised Applications on HMRC's website. Your HMRC password is never shared with us.
HMRC's standard OAuth2 flow. You log in on HMRC's own domain. We receive a scoped access token — nothing more.
Access tokens refresh silently in the background. You receive 30-day and 7-day warnings before your authorisation expires.
[ FREQUENTLY ASKED QUESTIONS ]
Per-link error isolation — one agent failing does not block others
Transactions flagged with source so you always know their origin
Explicit opt-in per transaction prevents double-counting
Bank and agent sources clearly labelled throughout the ledger
Automated alerts at 30, 7, and 1 day before each quarterly deadline. Overdue quarters flagged in the dashboard with one-click access to submit.
After all four quarters are submitted, generate your annual summary and complete the MTD ITSA Final Declaration — the full compliance cycle in one platform.
Every transaction change, submission event, and categorisation override is logged with user, timestamp, and context. A clear record if HMRC ever queries a return.
Every API call to HMRC includes the mandatory Gov-Client and Gov-Vendor fraud prevention headers required under HMRC's MTD technical specification.
Your National Insurance Number is encrypted at rest with AES-256-GCM under a dedicated key, separate from all other credentials.
