Hammock is the UK's first and only HMRC-recognised landlord software for Making Tax Digital for Income Tax (MTD for ITSA). It automates bookkeeping, tracks rent payments in real time, generates tax statements, and stores compliance documents — all through 50+ bank feed connections, FCA-registered, built for landlords with one property or hundreds. Letting agents who introduce Hammock to their landlords help them get ahead of a compliance deadline that is already arriving.
Making Tax Digital for Income Tax (MTD for ITSA) requires landlords with qualifying income to submit quarterly digital returns to HMRC. The rollout began in April 2026 for landlords and sole traders with income above the threshold. Landlords who are not on a recognised digital platform before the deadline face penalties and a scramble to migrate mid-year. Letting agents who help landlords get onto Hammock now are adding genuine value to the management relationship — not just service, but compliance protection.
A large proportion of UK landlords are unaware that Making Tax Digital for Income Tax affects them, or believe it only applies to businesses. Any landlord receiving qualifying rental income will need compliant digital records. Hammock is HMRC-recognised as a qualifying platform — the spreadsheet is not.
Hammock tracks rent payments in real time against each tenancy. When a payment is expected and does not arrive, Hammock flags the arrears immediately. Your landlord sees the alert. The agent is not the first to know — but they are informed without manual reconciliation work. The arrears conversation starts earlier and is backed by data.
Hammock gives landlords live portfolio metrics — loan to value, rental yield, profit and loss, arrears balance, occupancy rates — accessible 24/7 from the platform. Letting agents who can point their landlords to Hammock for self-service portfolio intelligence become more valuable as advisers, not less.
Hammock stores gas certificates, electrical inspection certificates, insurance documents, and tenancy agreements with renewal reminders. The landlord gets notified before an expiry, not after it. For letting agents managing large portfolios, this is a compliance risk that shifts from the spreadsheet to a monitored, date-triggered system.
Hammock is built specifically for UK landlords. It is not a general accounting platform adapted for rental income — it is a landlord-first product that understands the data structures of UK property, from individual tenancy rent tracking to multi-owner portfolio shared accounting. Letting agents who recommend Hammock to their landlords are recommending the only HMRC-recognised MTD platform built for the job.
Hammock connects to 50+ UK bank and credit card feeds via FCA-registered open banking. All property-related transactions are imported automatically. Hammock assumes every transaction is personal until you categorise it — a workflow designed for landlords who mix personal and property finances, not businesses with dedicated accounts. Once a rent payment pattern is recognised, Hammock tracks it automatically going forward.
Rent payments are tracked per tenancy, per property, in real time. When a payment is expected, Hammock monitors for it. The moment rent is late or missing, an arrears alert fires. Letting agents whose landlords are on Hammock receive early visibility of payment issues — before they escalate into conversations about vacating or legal proceedings.
Hammock is the first and, at launch, only landlord accounting platform recognised by HMRC for Making Tax Digital for Income Tax. Landlords can submit quarterly digital filings directly from Hammock to HMRC without an accountant's intervention. For portfolios managed by letting agents, this is the compliance conversation that needs to happen before the next tax year — not after the deadline.
Hammock generates year-end tax statements pre-populated with categorised income and expenses, ready for self-assessment or for handover to an accountant. The accountant dashboard lets accountants manage multiple landlord clients from a single login — reducing the time cost of year-end for both landlord and adviser, and creating a natural referral path from lettings agents to accountants who already use the platform.
Every landlord on Hammock has live access to their portfolio's loan-to-value ratio, rental yield per property, profit and loss over time, arrears balance, and occupancy rates. Live desktop property valuations are available within the platform. For letting agents who want to have strategic portfolio conversations with landlords, Hammock gives both parties the same real-time data to work from.
Gas safety certificates, electrical condition reports, EPC certificates, landlord insurance policies, and tenancy agreements are stored in Hammock with renewal date tracking. The platform sends automated reminders before expiry — so compliance gaps are flagged before they become enforcement issues. For HMO landlords and portfolio holders with dozens of expiry dates across dozens of properties, this is the difference between proactive compliance and reactive fire-fighting.
Works with the banks and structures your landlords already have
The fastest way for a letting agent to add value on the MTD conversation is to have a recommended solution ready. Hammock gives you that. Kerfuffle members get prioritised onboarding and a named contact for the landlord referral conversation.
Making Tax Digital for Income Tax rolled out from April 2026 for landlords and sole traders above the income threshold. The Hammock team can brief your agency on which landlords in your portfolio are likely to be affected and what the filing requirement means in practice.
Hammock takes minutes to set up. A landlord registers, adds their properties and tenancies, connects their bank feeds, and Hammock begins tracking automatically. For letting agents with accountancy contacts, the accountant dashboard makes Hammock easy to recommend as a practice-ready tool.
Once bank feeds are connected, Hammock imports all property-related transactions and begins reconciling rent payments against tenancies in real time. The landlord's bookkeeping is current from day one without any manual data entry — and the arrears tracking begins as soon as the first rent payment is expected.
Hammock handles the quarterly MTD submissions, generates the annual tax statement, and monitors compliance document renewals. Your landlord's financial and compliance administration is running on a digital platform that is already recognised by HMRC — ahead of any deadline, without a last-minute scramble.
Hammock is a Kerfuffle partner. Members of Kerfuffle get more than a standard Hammock sign-up for their landlords — you get a briefing on the MTD landscape, a guided setup pathway for your landlord base, and your Kerfuffle account manager in the loop throughout.
Standard signup
Self-serve landlord registration
Agency-level introduction and guided onboarding
Hammock charges per property, not per tenancy — making it particularly cost-effective for HMO and multi-unit portfolios. For letting agents referring their entire managed portfolio, pricing is agreed in conversation with your Kerfuffle AM in the room.
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A walkthrough of Hammock's bank feed connection, real-time rent tracking, MTD quarterly filing workflow, tax statement generation, and compliance document storage — followed by Q&A on the accountant dashboard and the landlord referral conversation for letting agents.
What Making Tax Digital for Income Tax means for your landlord base, how Hammock makes them compliant from day one, how the rent tracking and arrears alerts work for property managers, and how letting agents use Hammock to add a compliance conversation to every managed property review.
Any HMO landlord should use Hammock. I can monitor all my rental payments, reconciled per individual tenant. And because they charge per property rather than per tenancy, it is incredible value for money — the more units you have, the better the economics. Nothing else I've tried handles the complexity of a multi-let portfolio and produces a tax statement I can hand straight to my accountant.HMO landlord, South England Multi-property portfolio — via Trustpilot
Hammock was the first landlord software recognised by HMRC for Making Tax Digital. No other platform built specifically for landlords had that status at launch. For UK letting agents helping landlords navigate MTD, Hammock is the recommendation backed by HMRC's own recognition — not a general accounting platform adapted for property.
PropTech That Pays Back is the Kerfuffle initiative that rewards estate agents with kredits when they actually use what they've bought — not just when they sign the contract. Use Hammock isn't on the platform presently. If you'd like to see Use Hammock added and arrange a demo as part of the rollout, register your interest below and we'll get back to you.
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