Making Tax Digital connects directly to HMRC's MTD API, your letting agent's software, and your bank account — so your quarterly submissions are built from real transaction data, not spreadsheets.
[ HOW IT FLOWS ]
Link your HMRC account via OAuth on HMRC's own website. Discover your letting agents using AgentOS. Optionally connect your bank via Open Banking.
Your letting agent's statements are imported into your transaction ledger. Properties referenced in the statements are added to your portfolio automatically.
Assign each transaction to the correct HMRC property income category — rental income, repairs, management fees, finance costs, and more — using the in-app ledger.
Compute your quarterly summary and submit to HMRC through the MTD ITSA API. A confirmation with your HMRC correlation ID is stored in your submission history.
[ INTEGRATION 04 — TRANSACTION AUDIT ]
The audit log records every categorisation change, exclusion, inclusion, and submission event — with the date, time, and the user who made it. If HMRC ever questions a figure, you have a complete record of how each transaction was handled.
OAuth2 authorisation on HMRC's own website. Quarterly updates, EOPS, and Final Declarations submitted directly. Token refresh runs automatically.
Discovers your landlord records, imports statements and properties, syncs incrementally. Transactions from your agent are the primary source for HMRC.
FCA-regulated read-only bank connection. You choose which bank transactions to include — nothing is added to your tax ledger without explicit approval.
Join the waitlist. When your account is ready, connecting your AgentOS letting agent takes under two minutes — then your transaction data starts flowing immediately.
Questions? Email sf-core-org-support-making-tax-digital@saas-factory.ai
[ INTEGRATION 01 — HMRC MTD API ]
We connect to HMRC via OAuth2 — the same standard used by UK banking apps. You authorise access on HMRC's own website. Your password is never shared with us. We are granted permission to make quarterly submissions on your behalf, which you can revoke at any time through Manage Authorised Applications on the HMRC website.
Encrypted credential storage HMRC OAuth tokens are encrypted at rest using AES-256-GCM — never stored as plain text.
Automatic token refresh Your HMRC authorisation refreshes silently in the background before it expires — no re-authorisation interruptions.
[ INTEGRATION 02 — LETTING AGENT SOFTWARE ]
Connect to letting agents using AgentOS software. Rent collected, management fees, maintenance charges, and void period details all flow directly into your transaction ledger and map to the correct HMRC property income categories — ready for quarterly submission.
Discover linked accounts automatically We find the landlord records associated with your email address in the AgentOS network — no manual entry of account IDs.
Incremental sync after every change New transactions from your agent are imported whenever you sync — only changed records are fetched, keeping imports fast.
[ INTEGRATION 03 — OPEN BANKING ]
Connect your bank account via TrueLayer's regulated Open Banking service to view bank transactions alongside your letting agent data. You choose which bank entries to include in your tax ledger — bank transactions are never added automatically.
HMRC tokens, National Insurance Numbers, and bank tokens are each encrypted under separate AES-256-GCM keys — a compromise of one key does not expose the others.
Every API call to HMRC includes the required Gov-Client-* and Gov-Vendor-* fraud prevention headers, covering device ID, timezone, and screen dimensions.
Full submission lifecycle Quarterly updates, End of Period Statements, and Final Declarations — all routed through the MTD ITSA API.
Deadline reminders built in Receive 30-day, 7-day, and 1-day alerts before each HMRC quarterly deadline so nothing slips.
Audit trail on every action Every submission, categorisation change, and data access is logged with timestamp and user identity.
Properties imported with transactions Properties referenced in your agent's statement entries are added to your portfolio automatically, with duplicate detection.
Per-agent error isolation If one letting agent connection encounters an error, it is handled independently — other agents continue syncing unaffected.
Transactions from your letting agent's software are treated as the primary source for HMRC submissions. Bank transactions are supplementary and optional.
Regulated Open Banking provider Bank connections use TrueLayer, an FCA-regulated Open Banking platform. Read-only access — we can never move your money.
Explicit opt-in per transaction Bank entries sit in a separate review panel. You manually select which ones belong in your HMRC ledger to avoid double-counting agent transactions.
Consent expiry reminders Open Banking consent typically lasts 90 days. You receive reminders at 30 days and 7 days before it expires so sync never silently stops.
Encrypted token storage TrueLayer OAuth tokens are encrypted at rest, consistent with how HMRC credentials are handled.
HMRC OAuth tokens, NI numbers, and bank OAuth tokens are all encrypted before being written to the database — never stored as readable text.
