MTD software for joint property owners

Written by the Quidtrail team · Facts last checked 18 October 2026

The short answer: if you own a rental property with someone else, Making Tax Digital for Income Tax only needs your share of the income and expenses, and each owner is assessed and reports separately (GOV.UK). HMRC's software finder doesn't have a joint-ownership filter, so we've checked what providers' own help pages say. Some let you set a different share for each property. Others use one share across everything, or don't say.

General information, not tax advice. How income is split between joint owners follows the normal tax rules, so check with an accountant for your situation.

This is not a review or a ranking, and we haven't tested these products.

The HMRC rules software has to handle

Your share only. If you're in MTD, you keep digital records of your share of income and expenses from jointly let property (GOV.UK).
One UK property business. Your share of joint lets forms part of your one UK property business, alongside any properties you own outright (GOV.UK).
Income-only quarterly updates are allowed. For jointly let properties, each quarterly update can include income and expenses, or income only, with expenses added later by resending your fourth update (GOV.UK).
Thresholds are per person. Only your share of the rent counts towards your qualifying income (GOV.UK).
Foreign joint lets: you need separate records for each foreign property, including your share of joint lets (GOV.UK). HMRC's guidance doesn't say whether the income-only option applies to foreign joint lets, so check with HMRC, your agent or your provider.

For the rules in full, see MTD for jointly owned property.

What providers say about joint ownership

Alphabetical. These are the providers' own statements on 18 October 2026. "Not stated" means we didn't find it on the pages we checked, not that the product can't do it. Income sources are as listed on HMRC's software finder (sole trader or landlord view) on the same date.

Product	Different shares per property?	How the split works (provider says)	How each owner submits (provider says)	Finder: income sources	Source
FreeAgent	Ownership arrangements are added to properties	Co-owners are added as users with the "Owner" role (or "No Access" if they won't use it), then ownership is split between them	Each owner logs in with their own details and sets up their own HMRC connection. One landlord account per portfolio	Sole trader, UK property	FreeAgent help, FreeAgent FAQ
Hammock	Not stated	Set ownership percentages; income and expenses are allocated automatically	Submit for each owner from one account	UK property, foreign property	Hammock help
Landlord Studio	Yes, per property	Percentages per property must total 100%, or the MTD submission is blocked	Separate MTD submissions per owner, managed under one account	UK property	Landlord Studio help, Landlord Studio MTD
Landlord Vision Visit Landlord Vision	Yes: portfolio level, property level or both	Income and expenditure are apportioned automatically from the percentages	Each owner signs up individually and files their own quarterly updates; everything can be held in one Landlord Vision account, with access to the relevant portfolios	Sole trader, UK property, foreign property	Landlord Vision FAQ, knowledge base
My Tax Digital	No in accounting mode (one share per income source). Bridging mode: you upload your own figures	Accounting mode applies one percentage; a co-owner can share the transaction records	Its guide suggests bridging mode with a blended share if your shares differ between properties	Sole trader, UK property, foreign property	My Tax Digital guide
Provestor for Landlords	Yes, per property (set when you add it)	Record full amounts; Provestor applies your percentage	Each co-owner submits their own share through their own MTD account	UK property	Provestor help
QuickBooks (UK) Visit QuickBooks	Not stated	Not stated on the MTD set-up help page we checked	Not stated	Sole trader, UK property	QuickBooks help
Sage Sole Trader Visit Sage	No: one percentage for all UK properties	You can change the percentage only before your first quarterly update	Each co-owner needs their own subscription	Sole trader, UK property	Sage help, Sage help
VitalTax	Not stated	Publishes a video on landlord quarterly updates "for both sole ownership and joint ownership scenarios"	Not stated	Sole trader, UK property, foreign property	vitaltax.co.uk
Xero (UK) Visit Xero	Yes, at property level	Calculates each taxpayer's share of income and expenses for quarterly updates	Each co-owner onboards in the same organisation with their own Xero login and HMRC connection	Sole trader, UK property, foreign property	Xero Central

What to check with a provider

Can I give each property its own share (for example 50% of one and 25% of another)?
Can I mix properties I own outright and jointly in one UK property business?
Does it support income-only quarterly updates for joint lets, with expenses added by resending the fourth update?
Does each owner need their own subscription, or can co-owners submit from one account?
If you have joint foreign property, does it keep separate records for each foreign property?

Not on this list?

Any product on HMRC's software finder that lists UK property income can send your quarterly updates; the finder just doesn't say how it handles joint ownership. Check the provider's help pages, or ask them before you sign up. Our MTD software directory lists every product on the finder, A to Z.

Last checked against GOV.UK, HMRC's software finder and providers' sites on 18 October 2026. Not tax advice.

Frequently asked questions

Can we use one software account between us?

Some providers say so. FreeAgent, Landlord Studio and Xero describe co-owners working from one account or organisation, with each owner submitting their own share. Sage says each co-owner needs their own subscription. Check the table above and the provider's current help pages.

Do I enter the full rent or just my share?

It depends on the product. Provestor, for example, says to record the full amount and it applies your percentage. My Tax Digital's bridging mode expects your own share. HMRC only needs your share in your submissions (GOV.UK).

Are joint owners a partnership for MTD?

Not automatically. FreeAgent, for example, tells joint owners to use a landlord account rather than a partnership account, saying HMRC treats jointly owned property as a partnership "very rarely" (FreeAgent FAQ). HMRC's Property Income Manual explains who is taxed on the profits of jointly owned property (HMRC PIM1030). If you think you're in a property partnership, speak to an accountant.

Sources

Facts last checked: 18 October 2026.