In beta
Keep the books for each rental property, and see the mortgage interest credit as you go.
Assign rent and costs from your own payments to each property you own personally. Financial IQ groups them the way the SA105 property pages ask, and estimates the mortgage interest tax credit as the year goes on.
£19 a month plus VAT. Personal is free forever.
The questions every landlord keeps coming back to, answered from your own payments.
Every monthWhich property is this payment for?Assign rent and costs from your own payments to a property. Similar payments are suggested, and category hints help each cost land in the right place.Read the guide Every yearMortgage interest reliefMortgage interest is kept apart from your other costs, and the 20% tax credit is estimated as you go.Read the guide If you own with someoneDo we both need a plan?Joint owners share one plan, and each of you reports your own share.See pricing JanuaryThe SA105 property pagesRent and costs are already grouped the way the property pages ask, with your share worked out.See tax on your decisions From April 2026Making Tax Digital for landlordsKeep UK property records the MTD way now. Sending quarterly updates to HMRC from Financial IQ is in development.See MTD for landlords Whenever you wonderWhat is the portfolio worth?Enter each property's value and link it into your net worth so it's counted once, with the mortgage under liabilities.See net worth
Every property gets its own books, grouped the way your return asks.
Assign rent and costs from your own payments to the property they belong to. You see profit before mortgage interest, then the interest itself, and the 20% credit you can expect for it.
- Month by month figures and the biggest costs for each property.
- Joint owners each report their share, and your figures follow the share you set.
In betaRental books in Personal
Rental books work on your own payments today, and carry a beta label in the app while we keep refining them.
In developmentQuarterly updates to HMRC
Making Tax Digital for Income Tax reaches landlords over the income threshold from April 2026. Sending the quarterly updates from Financial IQ is in development.
Kept property by property
Rent, costs and profit before mortgage interest for each property, month by month, with the biggest costs named.
Joint ownership handled
Set your share and the figures follow it. Joint owners each report their share.
Company property goes in Business
Property your company owns belongs in Business, with the company's books. Property in your own name stays in Personal.
Common questions
If we own a property jointly, do we both pay?
No. Joint owners share one plan, and each of you reports your own share.
Can I send quarterly updates to HMRC yet?
Not yet. Sending quarterly updates from Financial IQ is in development. You can keep your property records now.
What if the property is owned by my company?
Then it belongs in Business, in the company's own books. The rental books in Personal are for property you own in your own name.
Does it look up my property values?
No. You enter each value yourself, and can link it into your net worth so it's counted once, with the mortgage under liabilities.