For Landlords

Your rent, expenses and SA105 figures, worked out for you

Renting out a room, a single property or a portfolio? Debbie tracks your rent and expenses, applies Section 24 and Rent a Room relief automatically and prepares your SA105 figures for you to check, then file yourself or hand to whoever files for you.

Rent spotted in your bank statement

Add your properties and tenants. Debbie matches incoming rent from your bank statement automatically, flags anything missed or late and tracks void periods for you.

Rent arriving in the bank is spotted automatically, matched to the tenant, ticks off the waiting rent charge and files as property income, never mixed into trade turnover. Set a rent due day on any tenancy and Debbie generates each period's expected rent automatically, roughly a month ahead of when it's due.

Section 24 and Rent a Room relief worked out for you

Mortgage interest relief, Rent a Room relief and allowable expenses are applied automatically as you go, not guessed at in April. Know your real rental income all year round.

  1. Log your buy-to-let mortgage interest per property and per lender where a property has more than one. Debbie applies the Section 24 basic-rate tax credit correctly, including your share on a jointly-owned property. Letting a room inside your own home instead? The first £7,500 is tax-free under Rent a Room relief, £3,750 if jointly let, calculated automatically. Prefer to keep it simple? Claim the flat £1,000 property allowance instead of itemising actual expenses, a one-tap election for a small or simple letting.

    Debbie's breakdown of how 2025/26 tax is worked out for someone with self employment and property income: the Personal Allowance taken off, business profit taxed at 20% and rental profit taxed partly at 20% and partly at 40%
    A real screen from a test account with a trade and a property, 2025/26 tax year.

Properties, tenancies and certificates

Add a property with its address and type, residential, commercial or HMO. Debbie keeps a full tenancy history, move-in and move-out dates and the current tenant at a glance. An empty property is not a workaround, void periods are tracked properly, with the real pound cost of the empty period shown too, not just the number of days.

Photograph or upload a Gas Safety Record, EICR, EPC or buildings insurance document and Debbie reads the type, issue date and cost automatically and suggests the correct renewal date. A reminder lands 28 days before any certificate expires, so nothing lapses silently.

Capital versus revenue, handled

A repair can be marked as a capital improvement rather than an everyday expense, so it is correctly excluded from both your SA105 report and your Making Tax Digital return, only relevant when you eventually sell. A repair cost can also be flagged as recharged to the tenant rather than absorbed as a landlord expense.

Your SA105 figures, prepared for you to check and file

When it's time to file, Debbie hands you a complete SA105 property pages return or a full Tax Return Pack if you'd rather a tax adviser check it over first. No spreadsheets, no chasing receipts.

  1. A landlord's job costs mirror automatically into the SA105 property return instead of the sole trader pages, so nothing needs re-entering by hand.

    Debbie's Build your Tax Pack sheet with a quick check of your figures, a list of what goes in the zip and a Download everything as a zip button
    A real screen from the app.

Making Tax Digital? Most people do not need it yet

Nothing changes for you. Keep logging your rent and costs, see your tax estimate and download your Tax Return Pack to file it yourself or have someone file it for you. Making Tax Digital only starts once your self employment and property money in, added together before costs, is over £50,000 from April 2026, £30,000 from April 2027 and £20,000 from April 2028. If it does apply, Debbie now connects to HMRC and sends your updates for you, only after you check the figures and tap to confirm.

Works alongside a trade business, on one account

Already a tradesperson? Or running another business alongside your properties? Debbie runs several businesses side by side, up to three on one login, with a global switcher to jump between them. A property counts as one of your business slots, so a landlord who is also a tradesperson can run both from one Duo or Triple account.

See every feature Debbie has, for landlords and everyone else, on the full feature list.

See the full feature list →

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