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cheapest compliant route — keep the spreadsheet you already use and just submit the figures from it.","Co-owning couples who bank with NatWest, RBS or Mettle — automatic ownership splitting from one free account.","Co-owning couples who want property and self-employment income handled together in one filing.","Because you co-own, read the “jointly owned property” section below — it changes which tools work and how many returns you file.","There’s no joint return: you and your co-owner each keep digital records and file your own quarterly updates and final declaration for your share.","Married or civil partners default to a 50/50 split unless a Form 17 election reflects genuinely unequal ownership — the real ownership has to change first, you can’t pick a split just to save tax.","You can use the jointly-let easement — report income only each quarter and add expenses at year end. It’s optional, and you must still keep digital records of expenses as you go.","You stay responsible for accurate digital records and the digital link; bridging software only submits the summary figures from your sheet.","You’re not mandated yet, so there’s no rush to pay — keep good digital records and join the list to be ready if the threshold reaches you.","Splits each owner’s share automatically, so you and your co-owner each file from one shared account.","Self-managing landlords who want property-specific tools and strong iOS/Android apps.","Landlords who want real-time, per-property tracking with an accountant portal — and co-owners who want each owner's share split and filed automatically.","Agent-friendly and widely used in UK practices, so your accountant can most likely file it for you.","Landlords whose accountant already works in Xero — the most widely used platform in UK practices.","Ask your accountant which software they support and whether they’ll file as your agent — you may need to grant agent access.","With a co-owner who isn’t your spouse there’s no automatic 50/50 — agree the ownership split and keep evidence of it.","Covers your situation on a genuinely free tier — no need to pay before you’re ready.","You’re filing as a sole trader, so the joint-ownership rules on this site don’t apply to you — the thresholds and deadlines still do.","Covers self-employment income with the full quarterly-updates-plus-final-declaration cycle.","Confident spreadsheet users who want the cheapest compliant route and don't want to learn new software.","Phone-first bookkeeping with strong automation and AI categorisation.","Your qualifying income adds rental income and self-employment turnover together — both gross, before expenses. It’s the combined figure that decides your start date.","With both income types you file a separate set of quarterly updates for each source, so a tool that covers both keeps it to one login.","Handles rental and self-employment income together in one filing, so you don’t need two tools."]}