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 return, ready to file or hand to your accountant.
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.
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.
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.
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.
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.
When it's time to file, Debbie hands you a complete SA105 property pages return or a full Accountant Pack if you'd rather your accountant check it over first. No spreadsheets, no chasing receipts.
A landlord's job costs mirror automatically into the SA105 property return instead of the sole trader SA103F, so nothing needs re-entering by hand.
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.
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