Making Tax Digital for Income Tax - Quarterly Filing Specialists.
Specialist MTD ITSA service for UK sole traders and landlords required to switch from annual Self Assessment to quarterly digital filing. Three premium tiers from £150 to £350 per quarter - MTD-compatible software setup, all 4 quarterly submissions plus the final declaration handled, year-round support from a dedicated account manager. Mandatory from 6 April 2026 if your qualifying income exceeds £50,000. Be ready before the deadline, not scrambling after it.
Making Tax Digital, made simple.
A quick word from our team on what Making Tax Digital for Income Tax actually means for you, and how we take the whole thing off your plate.
If your self-employment or rental income passed the threshold, MTD is not optional. We register you, deal with any penalties, then each quarter you snap and upload your receipts from your phone and we file on time. No software to learn, no deadlines to remember.
Read the transcript
Have you heard about Making Tax Digital and just been hoping it would go away? It is not going away. If your self-employment or rental income went over the threshold on your last return, you are probably already supposed to be registered. A lot of people do not know that yet. And even those who do register often miss the new quarterly deadlines and walk straight into penalties. HMRC is not playing, penalties stack quarterly now.
We have built a system that takes the entire thing off your plate. If you are not registered, we register you. If you have already picked up penalties, we deal with them. Then going forward, every quarter you get a text from us with a link to an app. You upload your receipts, invoices and bank statements straight from your phone. Snap a photo, send it through. Our team processes it and files your return on time, every quarter. No software to learn. No deadlines to remember.
Every quarter you are not compliant is another fine waiting in your name. Get sorted at loyals.uk. It really is that simple.
Sound like your MTD situation?
MTD ITSA is the biggest change to UK personal tax in a generation. Most sole traders and landlords arrive with the same handful of concerns - we sort all of them in one engagement.
"What is MTD ITSA and does it apply to me?"
MTD for Income Tax replaces annual Self Assessment with quarterly digital filing. From April 2026 it's mandatory if you're a sole trader or landlord with qualifying income above £50,000. From April 2027 the threshold drops to £30,000. Use the readiness check below to confirm your obligation date.
"I don't know which software is MTD-compatible"
Xero, QuickBooks, FreeAgent, Sage and bridging software like 123 Sheets are all HMRC-recognised MTD platforms. The right choice depends on your business type and current setup. We recommend and configure the best fit during your first quarter - included free.
"I'm worried about quarterly deadlines"
Five filings per year instead of one - Q1 due 7 August, Q2 due 7 November, Q3 due 7 February, Q4 due 7 May, plus the final declaration on 31 January following. We handle every submission and send reminders 30, 14 and 3 days before each deadline.
"My current accountant says they don't do MTD yet"
A surprising number of high-street firms still aren't MTD-ready as of 2026. We've been preparing clients for MTD ITSA since the original 2018 announcement - we have the software, the workflow, and the experience to onboard you smoothly even close to the deadline.
"I have multiple income sources"
Sole trader plus rental property plus side consultancy plus pension income - MTD ITSA needs to capture and reconcile all qualifying sources. Our Combined and Portfolio tiers handle multi-source filings as standard, with the right pages submitted at each quarterly point.
"What if I miss a quarterly deadline?"
HMRC's new points-based penalty system charges £200 per late submission once you accumulate 4 points (then £200 for each subsequent late one). Late tax payments add interest plus 5% surcharges at 30 days, 6 months and 12 months. With LOYALS, points simply don't accrue.
Your MTD ITSA compliance, handled end-to-end.
From software setup through quarterly submissions to the final declaration - five filings per year, one fixed quarterly fee, one accountant managing the lot.
The LOYALS MTD for Income Tax service
Making Tax Digital for Income Tax Self Assessment (MTD ITSA) is HMRC's mandatory new system replacing annual Self Assessment for sole traders and landlords above the income thresholds. Instead of one annual tax return on 31 January, you submit four quarterly digital updates to HMRC throughout the year - plus a final declaration after the tax year ends. Records must be kept digitally using MTD-compatible software, and quarterly submissions must be filed using digital connections (no paper, no email).
Our service handles every part of MTD ITSA compliance for one fixed quarterly fee per tier. MTD-compatible software setup in your first quarter (included free), all 4 quarterly submissions plus the final declaration filed on time, deadline reminders before every submission, and year-round WhatsApp support throughout. Three tiers based on income source complexity - single-source, combined, or portfolio. All prices excluding VAT.
Three premium tiers · £150 to £350/quarterThree quarterly packages, scaled to your income complexity.
Tiers reflect the number and complexity of income sources you'll be reporting under MTD. We confirm the right tier on a free intake call before any engagement is signed.
MTD Standard
- One income type - SE OR property
- 4 quarterly submissions to HMRC
- Final declaration on 31 January
- MTD-compatible software setup
- Bank feeds and reconciliation
- Deadline reminders (30/14/3 days)
- Year-round WhatsApp support
- Best for: single-source sole traders or 1-2 property landlords
MTD Combined
- Everything in MTD Standard
- Both SE AND property income
- Multi-source quarterly filings
- Up to 3 properties + sole trade
- CIS subcontractor income (if applicable)
- Quarterly tax position summary
- Cross-source reconciliation
- Best for: sole traders with rental property income
MTD Portfolio
- Everything in MTD Combined
- 4+ properties OR multi-business
- Furnished holiday let post-FHL handling
- Section 24 mortgage interest credit
- Property income optimisation
- Foreign property reporting
- Priority WhatsApp + quarterly review call
- Best for: portfolio landlords or multi-business sole traders
Need MTD-ready bookkeeping too? Bundle our Bookkeeping Service with MTD ITSA and save 10-15% versus separate engagement. Light Bookkeeping (£125/month) plus MTD Standard (£150/quarter) totals £2,100/year for a fully managed compliance package.
Eight deliverables, all bundled.
No add-ons for software setup, deadline reminders, or final declaration. The price quoted is the price you pay.
MTD-Compatible Software Setup
Xero, QuickBooks, FreeAgent or Sage configured for MTD compliance in your first quarter - chart of accounts, VAT settings, bank feeds, MTD digital connection. Included free.
4 Quarterly Submissions
HMRC quarterly submissions for Q1 (due 7 Aug), Q2 (due 7 Nov), Q3 (due 7 Feb) and Q4 (due 7 May) of the tax year - all filed digitally with the relevant income source pages.
Final Declaration
The end-of-period statement and final declaration replacing the old annual SA return - due 31 January following tax year end. Cross-references all quarterly submissions and other income.
Bank Feed Reconciliation
Open Banking feeds connected to your accounting platform with all UK banks (Barclays, HSBC, Lloyds, NatWest, Santander, Starling, Monzo, Tide, Revolut). Real-time accuracy.
Deadline Reminders
Notifications 30, 14 and 3 days before every quarterly deadline plus the final declaration. We file well before - never the last minute. Late submissions don't happen for active clients.
HMRC Penalty Cover
If a penalty point ever accrues due to our error (it won't), we pay any resulting £200 penalty on your behalf. Your compliance record stays clean.
Year-Round Support
WhatsApp, phone and email throughout the year. Mid-quarter income changes, software questions, HMRC correspondence - all covered, no per-call charges. Mon-Sat 10am-7pm.
Switching MTD Provider Free
Free transition from your current accountant or DIY MTD setup. We handle clearance letters, retrieve records, audit existing categorisation, and reconcile the position before quarter rollover.
Five steps from "I haven't started" to fully MTD-compliant.
From WhatsApp to first quarterly submission usually takes 2-4 weeks. Most clients are fully ready before their first MTD obligation date.
Free intake call
Confirm your obligation date, tier and software fit. Fixed fee agreed upfront.
Software setup
Xero / QB / FreeAgent / Sage configured for MTD. Chart of accounts and bank feeds connected.
HMRC connection
Digital MTD authorisation completed with HMRC. Form 64-8 filed if we're switching agent.
Quarterly cycle
Records categorised, banks reconciled, quarterly summary prepared and submitted on time.
Final declaration
End-of-period statement plus final declaration filed by 31 January following tax year end.
Three reasons we're not just another firm scrambling for April 2026.
A surprising number of accountancy firms haven't fully prepared for MTD ITSA even now. We've been ready since the original announcement - software, workflow, experience all locked in.
MTD-ready since 2022
We've been actively preparing clients for MTD ITSA since the original 2018 announcement and ran the soft-launch pilot programme. While other firms are still figuring out their workflow, ours has been operational and refined for years. You're not part of someone's learning curve.
Mon-Sat extended hours
Quarterly deadlines don't respect 9-5 working hours. We're open Monday to Saturday 10am to 7pm with same-day callback. Mid-quarter income changes, software hiccups, deadline anxiety - all handled with year-round WhatsApp and phone support included in your fee.
Integrated with your tax position
MTD ITSA isn't isolated work - it touches your bookkeeping, your Self Assessment for years before MTD applies, your year-end planning. Your dedicated account manager has the full picture, so quarterly submissions reflect the right strategic decisions on expenses, capital allowances, and timing.
Are you MTD-ready?
Four quick questions and we'll tell you when MTD applies, your readiness score, and the specific next steps for your situation.
MTD ITSA Readiness Check
Three rolling thresholds expanding the MTD net.
MTD ITSA isn't a single deadline - it's a phased rollout that keeps lowering the income threshold over the next several years. Here's what's coming and when.
April 2026 - Phase 1
£50,000+Mandatory for sole traders and landlords with combined qualifying income above £50,000 in the 2024/25 tax year. Quarterly digital filing replaces annual Self Assessment from this date. First quarterly deadline: 7 August 2026.
April 2027 - Phase 2
£30,000+Threshold drops to £30,000 measured against 2025/26 income. Significantly more sole traders and landlords brought into MTD. If you're earning between £30,000 and £50,000 now, MTD applies to you from April 2027 - start preparing the same time as Phase 1 clients.
April 2028 - Proposed
£20,000+Government has signalled intent to extend MTD to incomes above £20,000 from April 2028, though this is not yet in legislation. If implemented, it would bring almost all UK sole traders and landlords into the MTD system. We'll keep clients informed as legislation develops.
Your quarterly deadline schedule
Six things every UK sole trader and landlord should understand about MTD.
Tap any card to flip and see the detail.
What MTD actually means
Digital records + quarterly submissions to HMRC.
Tap or hoverThe MTD basics
- Replaces annual SA for affected taxpayers
- 4 quarterly + 1 final = 5 filings/year
- Records must be digital throughout
- Quarterly summary, not full return
- Final declaration ties it all together
The thresholds explained
£50K April 2026, £30K April 2027, £20K proposed.
Tap or hoverQualifying income definition
- Trading turnover (not profit)
- Plus gross property income
- Combined across all sources
- Measured against year before MTD
- £20K from April 2028 if legislated
Quarterly deadlines
Five fixed dates per year you can't miss.
Tap or hoverThe fixed schedule
- Q1 (Apr-Jul): due 7 August
- Q2 (Jul-Oct): due 7 November
- Q3 (Oct-Jan): due 7 February
- Q4 (Jan-Apr): due 7 May
- Final declaration: 31 January
MTD software options
Multiple HMRC-recognised platforms.
Tap or hoverCompatible platforms
- Xero - most popular
- QuickBooks Online - sole trader-friendly
- FreeAgent - free with Mettle/RBS
- Sage Business Cloud Accounting
- 123 Sheets - bridging for spreadsheets
Penalties for non-compliance
New points-based system with £200 charges.
Tap or hoverThe points system
- 1 point per missed submission
- £200 penalty at 4 points (annual: 2)
- £200 each subsequent missed
- Points expire after 24 months clean
- Late tax: interest + 5% surcharges
Records that count as digital
What HMRC accepts under MTD rules.
Tap or hoverDigital records definition
- Cloud accounting platform entries
- Spreadsheets WITH bridging software
- API-connected bank feeds
- Digital invoice and receipt copies
- Paper records alone NOT compliant
Meet Kris Nick.
Kris is your single point of contact for everything MTD - software setup, quarterly submission cycles, mid-quarter income questions, deadline reminders, and the strategic decisions that come from real-time financial visibility. The LOYALS team has been running MTD ITSA preparation since the soft-launch pilot programme, so by the time the April 2026 deadline hits we're not learning the workflow - we're refining it. Year-round WhatsApp access, Mon-Sat 10am-7pm extended hours, no per-call charges, no surprise quarterly bills.
Book a free 15-min call →Don't be the one scrambling in March 2026.
MTD ITSA mandatory date: 6 April 2026 if your qualifying income exceeds £50,000. By the time the deadline hits, every accountancy firm will be at capacity onboarding panicked clients. Get ahead of the wave - software setup takes 2-4 weeks, and you want a clean Q1 not a frantic catch-up. Free intake call confirms your obligation date and the right tier.
Frequently asked questions.
Updated for 2025/26 with confirmed April 2026 thresholds. If your question isn't here, message us on WhatsApp or book a free 15-minute call.
What is Making Tax Digital for Income Tax?+
Does MTD for Income Tax apply to me?+
How much does MTD for Income Tax cost with LOYALS?+
What are the quarterly MTD ITSA deadlines?+
Which software is MTD-compatible?+
What if I miss a quarterly MTD deadline?+
What if my MTD-compatible bookkeeping is in a mess?+
Do I need bookkeeping AND MTD service together?+
How does MTD differ from annual Self Assessment?+
How fast can LOYALS get me MTD-ready?+
Related LOYALS pages
Other services that pair tightly with MTD ITSA for full compliance and growth support.
April 2026 is closer than you think.
Three premium tiers, MTD-compatible software setup included, all 5 yearly filings handled, deadline reminders before every quarter. Sign up in 5 minutes and we'll have you MTD-ready before your obligation date - no scrambling, no penalty points, no surprise quarterly bills. Mon-Sat 10am-7pm extended hours.
Book my free 15-min call →