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AC-CO.LANDLORD · MTD ITSA READY · 2026/27

Your portfolio, on autopilot.
Your tenants, on time.

The autonomous letting agent for UK landlords. ac-co.landlord drafts every quarterly MTD ITSA update from your live Open Banking feed, chases rent across WhatsApp, Telegram, SMS and email — and surfaces every compliance deadline before HMRC, your tenant or your boiler can.

See the MTD ITSA flow →·No card · UK-only · Open Banking
BUILT FORAccidental landlordsBuy-to-let portfoliosHMOsFurnished holiday letsLetting agents
L
Hartwell Properties · 4 unitsMTD ITSA · Q3 2026/27 · due 7 Aug
Live
NET RENTAL INCOME · YTD
£64,820
▲ 8.2%vs 2025/26
Section 24 · finance cap'd£1k allowance · waived
58%
Q3 ready
Next quarterly update
7 Aug 2026
PROPERTIES3 let · 1 arrears
12B Camden High St
London NW1 · Priya & Marc
let
£2,150/mo
43 Sefton Park Rd
Liverpool L8 · Ahmed K.
let
£1,180/mo
7 The Headrow, Flat 4
Leeds LS1 · Northwind Ltd
arrears
£925/mo
22A Stokes Croft
Bristol BS1 · —
viewing
£1,450/mo
FEED · OPEN BANKING4 matched just now
Rn
Priya & Marc
Rent · auto-matched · 12B Camden High St
IN
+£2,150
Ex
B&Q
Repairs · finishes · 22A Stokes Croft
OUT
−£84
Rn
Ahmed K.
Rent · auto-matched · 43 Sefton Park Rd
IN
+£1,180
Ex
Direct Line
Landlord insurance · Portfolio
OUT
−£312
Live portfolio
Wired into
HMRC · MTD ITSA · 2026/27Open Banking · regulated providersWhatsApp · Business APITelegram · BotsTwilio · SMSStripe · Rent collectionGoCardless · Direct Debit
Q0
quarterly MTD ITSA updates per year
+ Final Declaration · auto-drafted
0
channels to reach tenants
WhatsApp · Telegram · SMS · Email
0.0%
transactions matched to a property
measured across beta portfolios
0 min
to onboard a new property
bank consent + address — that's it
HOW IT WORKS

From let agreed to MTD filed, on rails.

See the full quarterly flow →
01

Connect

Plug in every bank in 2 minutes with Open Banking. Add each property by address — we pull EPC, council, freehold details.

02

Categorise

ac-co matches every rent payment to a tenant, every expense to a property, and every spend to the right HMRC box.

03

Communicate

Reminders, renewal nudges, inspection bookings — sent on each tenant's preferred channel. Replies land in your inbox.

04

File

Quarterly MTD ITSA updates drafted from your live ledger. Review on phone, tap submit, done.

MTD ITSA · QUARTERLY

Quarterly returns, drafted live. No spreadsheet, no scramble.

From 6 April 2026 every landlord earning over £50,000 in property income must file four quarterly updates plus a Final Declaration via Making Tax Digital. ac-co.landlord drafts each return straight from your live ledger — you only review and submit.

  • 5 returns / yearQ1 · Q2 · Q3 · Q4 + Final Declaration. All drafted automatically, four weeks before the deadline.
  • HMRC-recognisedDirect API submission — no bridging spreadsheet. Receipts kept for 6 years, indexed by property.
  • Cumulative checksEach quarter cross-checks against prior submissions; mismatches flagged before you submit.
  • Section 24 readyFinance-cost restriction calculated on every BTL line. 20% tax-reducer applied at Final Declaration.
MTD ITSA · 2026/27
Quarterly updates, drafted from your live ledger.
HMRC connected
Quarter 3
Drafted
Period 6 Oct – 5 Jan · due 7 Feb 2027
MTD-ITSA-26273-DRAFT
Rental income
£19,360
Allowable exps.
-£7,120
Profit · this Q
£12,240
Compare against last quarter
OPEN BANKING

Every transaction, matched to the right property.

ac-co.landlord connects (read-only) to every UK bank via regulated Open Banking providers, and uses the reference field, payer name and amount fingerprint to pin each line to a property and tenant.

  • Every UK bankAll CMA9 + 30 smaller banks. Personal and business accounts side-by-side.
  • Read-only accessWe never move your money. Consent re-confirmed every 90 days per FCA rules.
  • Property auto-matchStanding orders fingerprinted; one-off payments matched by reference, payer or amount.
  • Splits & joint ownersCo-owned property? Split rent 60/40 (or any ratio) and we keep each landlord's ledger separate.
OPEN BANKING
Every transaction, matched to the right property.
Open Banking
CONNECTED
Bx
Barclays
•• 4421
Ll
Lloyds
•• 8810
Mo
Monzo
•• 0237
St
Starling
•• 9145
Hx
Halifax
•• 5519
Read-only. Re-consented every 90 days, per FCA rules.
LIVE STREAMauto-categorised & assigned
Mo
Priya & Marc
Standing order · ref P-12B
Rent
+£2,150.00
St
B&Q Bristol
Card · contactless
Repairs
−£84.20
Bx
Ahmed K.
Faster Payments · ref SEF-43
Rent
+£1,180.00
Ll
Direct Line
Direct Debit · annual
Insurance
−£312.00
127 transactions matched this month · 0 unassigned
99.4% accuracy
TENANT COMMS

Meet tenants where they actually read.

Email gets ignored. SMS gets blocked. WhatsApp gets read in five minutes. ac-co.landlord picks the right channel for each tenant — and falls back automatically if they go quiet.

  • WhatsApp BusinessVerified sender, two-way replies, read receipts. Hands-down the best for chasing rent.
  • Telegram botsGreat for younger tenants and HMO group chats. Quick-reply buttons for renewals.
  • SMS via TwilioReliable last-mile. Works for tenants with no smartphone — keypad replies still log to the ledger.
  • Email + PDFLong-form: AST renewals, deposit prescribed info, EPC certificates. e-Sign in two taps.
TENANT COMMS
Reach every tenant on their preferred channel.
4 channels · 1 inbox
Auto-routed. ac-co picks the channel each tenant actually reads — and falls back if they go silent.
09:415G ●●●●
PS
Priya Shah
12B Camden High St
via WhatsApp
Hi Priya — friendly nudge: rent (£2,150) is due Fri 1st. All on track?
Mon 09:00 · ✓✓
Yep, standing order set. Boiler making a noise though — okay if I send a video?
Mon 09:14
Of course. I've opened ticket #41 for James (your landlord) — drop the clip below.
Mon 09:14 · ✓✓
Gas Safe engineer can be there Thu pm if needed. Want me to book?
Mon 09:15 · ✓✓
Reply as James · ac-co drafts & logs to ledger
Rent reminders
3 days before · day-of · day-after
Renewal nudges
60 / 30 / 14 days before AST end
Compliance
Gas, EICR, EPC, deposit prot.
Inspections
Self-serve booking · 2 reminders
COMPLIANCE

Every UK landlord obligation, on a single calendar.

ac-co.landlord tracks every regulator deadline that touches your portfolio — from HMRC quarterly updates to the boiler's annual safety check — and reminds you (and the tenant, where appropriate) before any of it falls due.

MTD ITSA
Quarterly updates
5 Aug · 5 Nov · 5 Feb · 5 May.
MTD ITSA
Final Declaration
31 Jan — pulls everything together.
Safety
Gas Safety CP12
Annual. Reminders 60 / 30 / 7 days out.
Safety
EICR
Every 5 years. Calendared per property.
Energy
EPC ≥ E
Required for letting; MEES floor rising.
Deposit
Prescribed info
30-day window from receipt of deposit.
Tenancy
Right to Rent
Stored, version-tracked, re-checkable.
Tenancy
AST renewal
60 / 30 / 14-day nudges to the tenant.
PRICING

Priced per property — never per tenant, never per filing.

Flat monthly, billed annually. 30-day no-questions refund. Free during the private beta.

Starter
1–2 properties
£8/ property / month

For accidental landlords with one let. Everything you need for MTD ITSA, never any per-tenant fees.

Join the waitlist
  • ✓MTD ITSA — drafted & filed
  • ✓Open Banking · 1 bank
  • ✓SMS + email reminders
  • ✓Compliance calendar
  • ✓Standalone Self-Assessment
Portfolio
3–20 properties
Most picked
£6/ property / month

For BTL landlords running it as a business. Add tenants, channels, and your accountant for free.

Join the waitlist
  • ✓Everything in Starter, plus:
  • ✓WhatsApp + Telegram
  • ✓Open Banking · unlimited banks
  • ✓Section 24 finance optimiser
  • ✓Accountant collaboration seat
Agent
20+ properties · agents
Custom

For letting agents and family offices. White-label tenant comms, multi-landlord console, named onboarding.

Apply to partner program
  • ✓Multi-landlord console
  • ✓Tenant portal · white-label
  • ✓Per-landlord MTD submissions
  • ✓API + Zapier
  • ✓Named onboarding manager
VOICES FROM THE BETA

What it feels like when the boring bits just happen.

"Five rental flats and I was dreading MTD. ac-co.landlord drafted my first quarterly in 90 seconds and chased a late tenant on WhatsApp before I'd noticed. Worth every penny."
JH
James Hartwell
BTL landlord · Bristol
"The Open Banking match rate is genuinely uncanny. It picked up a partial rent payment, paired it with the standing order, and pinged the tenant on Telegram. I just approved."
PS
Priya Shah
Portfolio landlord · 14 units
"We use it across 380 managed properties. Every landlord's MTD ITSA, separately drafted, all in one console. My team's bandwidth doubled."
AL
Anna Lindqvist
Director · Northwind Lettings
TRUST

We hold your tenant data, so we hold ourselves to the highest bar.

ac-co.landlord is registered with HMRC as MTD-recognised software, and connects to your bank via regulated Open Banking providers. Access is read-only and re-consented every 90 days. We never move your money.

HMRC
MTD-recognised software
Open Banking
regulated providers · read-only
UK GDPR
data resident in London
Read-only
default access
Human-in-loop
you approve every submission
Records kept
6 years, automatic
FAQ

Things landlords actually ask.

If your gross property + self-employment income is over £50,000, then yes — quarterly updates start from the period that begins on or after 6 April 2026. The £30,000 threshold follows from April 2027, and the £20,000 threshold from April 2028. ac-co.landlord is registered as MTD-recognised software with HMRC.

Yes. We connect to your bank via regulated Open Banking providers — access is strictly read-only, and we cannot initiate any payment. Your consent is re-confirmed every 90 days, and you can revoke it from your bank's app at any moment.

ac-co picks the channel each tenant actually reads. If a WhatsApp message goes unread for 12 hours, we automatically fall back to SMS, then to email. The whole chase ladder is logged for your records — useful if you ever need to evidence reasonable contact.

Mortgage interest, finance fees and arrangement costs on residential BTL are no longer deductible from rental income; instead you get a 20% tax-reducer at Final Declaration. ac-co.landlord calculates this on every BTL line and applies it at the right place — no manual splits.

Yes — add them as a free collaborator on the Portfolio plan. They get a read-and-comment view of your books and quarterly drafts. If you don't have an accountant, we'll partner you with a vetted UK firm from the ac-co.ai network.

Private beta is invite-only. We're granting ~30 seats / week through Q4 2026. General availability is spring 2027 — well before the first April 2026 MTD ITSA cohort files their first quarter.

JOIN THE WAITLIST

Stop chasing rent. Start collecting it.

UK landlords only · MTD ITSA from April 2026 · No card required · Free during beta.

187 landlords ahead of you · 31 seats opening next Monday
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