Buy-to-Let Accounting App for UK Property Investors

Accurate Income and Expense Tracking

Every buy-to-let property generates a stream of transactions: rent coming in, mortgage payments going out, insurance renewals, repair bills, letting agent fees, and more. Keeping track of all of these accurately is essential for calculating your true profit and ensuring you pay the right amount of tax — no more, no less.

LandlordGuru records every transaction against the correct property and categorises it into HMRC-aligned categories. Income is tracked per tenant with expected vs actual payment monitoring. Expenses are broken down into the categories HMRC requires on the property pages (SA105) of your Self Assessment return.

• Per-Property Tracking — Every income and expense item is linked to a specific property, giving you an accurate profit and loss for each asset in your portfolio.
• Open Banking Import — Connect your bank accounts to automatically import and categorise transactions, eliminating manual data entry.
• Receipt Scanning — Photograph receipts and the app extracts the amount, date, and vendor using OCR, then attaches the expense to the correct property.
• Recurring Transactions — Set up recurring entries for regular costs like insurance, management fees, and mortgage payments so they're recorded automatically each month.

Cash Flow Visibility and Financial Reports

Understanding your cash flow is critical for buy-to-let success. Rental yield on paper means nothing if your actual cash position is negative after mortgage payments, tax, and maintenance. LandlordGuru gives you real-time visibility into both your accounting profit and your actual cash flow.

• Cash Flow Dashboard — See money in versus money out across your entire portfolio, with monthly trends and projections based on current performance.
• Profit & Loss Reports — Generate detailed P&L statements for individual properties or your complete portfolio, broken down by income and expense category.
• Yield Analysis — Calculate gross yield, net yield, and return on investment for each property, factoring in all costs including mortgage interest and management fees.
• Property Comparison — Compare performance across your portfolio to identify your strongest and weakest performers on yield, cash flow, and profitability.
• Annual Tax Summary — A comprehensive year-end report that maps directly to the SA105 property pages, making Self Assessment straightforward whether you file yourself or hand it to an accountant.

Accountant-Ready Exports and Collaboration

Whether you handle your own accounts or work with a professional, LandlordGuru produces the documentation you need. Every report exports to professional-quality PDF format with a single tap.

Reports include full transaction details, category breakdowns, and summaries that align with HMRC's property income reporting requirements. Your accountant receives exactly the information they need without rounds of back-and-forth questions, saving both time and fees.

For landlords who manage their own accounts, the same reports serve as your permanent records. PDF exports are date-stamped and include all supporting detail, giving you a complete audit trail should HMRC ever raise an enquiry.

Built-In HMRC MTD Compliance

From April 2026, buy-to-let landlords with qualifying income over £50,000 must keep digital records and submit quarterly updates to HMRC. LandlordGuru is HMRC-recognised MTD software that handles the entire process.

The same records you keep for day-to-day accounting feed directly into your MTD submissions. There's no duplication, no exporting to another system, and no learning a second piece of software. When a quarterly deadline approaches, your data is already prepared — review the figures, confirm they're correct, and submit directly to HMRC from within the app.

• Quarterly Submissions — Submit income and expense summaries to HMRC each quarter via their official API.
• End of Period Statement — Confirm your annual figures with a guided EOPS process.
• Final Declaration — Replace the traditional Self Assessment return with a digital Final Declaration submitted from the app.
• Deadline Management — Automated reminders ensure you never miss a submission date and accumulate penalty points.