LandlordTaxAi vs Untied — Which is Better for Landlords in 2026?
Untied is a strong self-assessment app for freelancers and contractors, with property income as one of many supported income types. LandlordTaxAiis built exclusively for UK landlords: AI categorises bank transactions to SA105 boxes automatically, supports HMO profit and loss, and connects to HMRC's MTD API for quarterly submissions. For landlords with multiple properties approaching the 6 April 2026 MTD mandate, dedicated landlord tooling materially reduces quarterly admin time.
LandlordTaxAi vs Untied: which should you choose?
Choose LandlordTaxAi if rental income is your primary or sole source of self-assessment income, you have two or more properties, and you want AI to automate SA105 transaction categorisation rather than enter figures manually. It is the right fit if cutting quarterly admin is a priority and you can accept that HMRC recognition is pending.
Choose Untiedif you are a gig worker, freelancer, or contractor who also has rental income, and you want all your income types handled in one self-assessment app. Untied's bank feed integration and clean mobile interface suit taxpayers with mixed income who do not need landlord-specific depth.
The rest of this comparison covers pricing, the full feature matrix, an honest view of where each tool excels, and a recommendation table based on your situation.
Pricing comparison: Untied vs LandlordTaxAi
Prices are correct as at 29 April 2026. Verify current Untied rates at untied.com before making a decision.
| Feature | LandlordTaxAi | Untied |
|---|---|---|
| Starting price | £19/month | ~£15–20/month (Pro tier) |
| Free plan | Free trial, no card | Free tier available |
| Contract | Monthly, cancel any time | Monthly, cancel any time |
| HMRC recognised | Pending | Verify on HMRC list |
| Primary audience | UK landlords | Freelancers, gig workers |
| AI categorisation | Full AI (SA105-native) | Rule-based auto-tagging |
| Bank feed | CSV upload | Open banking feed |
| Other income types | Property only | All types |
Prices correct as at 29 April 2026. HMRC recognition statuses sourced from HMRC's compatible software list.
Full feature matrix
| Feature | LandlordTaxAi | Untied |
|---|---|---|
| HMRC MTD API connection | ✓ | ~ |
| HMRC recognised (published list) | ~ | ~ |
| AI transaction categorisation | ✓ | ~ |
| SA105 box-level mapping | ✓ | ~ |
| Confidence scoring per transaction | ✓ | ✗ |
| CSV bank statement import | ✓ | ~ |
| Open banking feed | ✗ | ✓ |
| Quarterly MTD update submission | ✓ | ~ |
| HMO profit and loss | ✓ | ✗ |
| Multi-property dashboard | ✓ | ~ |
| Section 24 finance cost handling | ✓ | ~ |
| CGT / SDLT calculators | ✓ | ✗ |
| Freelance / employment income | ✗ | ✓ |
| Mobile app | ~ | ✓ |
~ = partial support. LandlordTaxAi HMRC recognition is pending as at 29 April 2026. Untied MTD for Income Tax support — verify current status at untied.com.
Where Untied has the edge
Open banking feed — no CSV uploads required
Untied connects directly to your bank account via open banking, pulling transactions automatically. This removes the step of logging into your bank, exporting a CSV, and re-uploading it to your tax software. For landlords who find CSV management tedious, Untied's live feed is a genuine quality-of-life advantage. LandlordTaxAi currently uses CSV uploads, which adds a small but real step each quarter.
Handles all income types in one place
Untied covers freelance, employment, dividends, foreign income, and property income in a single self-assessment workflow. If you are a freelance professional who also owns a buy-to-let property — a common profile — Untied removes the need to combine data from a separate landlord tool with a separate filing tool. That simplicity has genuine value for the mixed-income taxpayer.
Well-regarded mobile application
Untied's mobile app is polished and well-reviewed for managing tax on the go. For sole traders who want to photograph receipts, categorise spending, and check their running tax estimate from their phone, Untied's mobile experience is stronger than LandlordTaxAi's current web-first offering.
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Take the MTD readiness checkerWhere LandlordTaxAi wins as an Untied alternative for landlords
Dedicated landlord tooling — not a side feature
LandlordTaxAi exists solely for UK rental income tax compliance. Every screen, every categorisation rule, and every report is designed around the SA105 property income pages and the MTD quarterly cycle. In Untied, property income is one module among many. For landlords with multiple properties and high transaction volumes, depth of landlord-specific functionality matters more than breadth of income type coverage.
SA105 box-level precision via AI
LandlordTaxAi's AI maps each bank transaction directly to the named SA105 box: rent received, letting agent fees, repairs and maintenance, insurance, legal and professional costs, residential finance costs (Box 44). Confidence scores flag anything below 90% for human review. Untied uses rule-based auto-tagging and requires manual categorisation review for property-specific items. The difference becomes significant when you have 50+ transactions per quarter.
HMO profit and loss support
Houses in multiple occupation have more complex income patterns than standard buy-to-let. LandlordTaxAi handles room-level income, shared utility costs, and higher-frequency maintenance transactions natively. Untied does not offer HMO-specific profit and loss reporting — landlords with HMOs must manually structure their figures before the app can use them.
CGT and SDLT calculators
Property transactions require capital gains and stamp duty modelling that general tax apps do not provide. LandlordTaxAi includes CGT and SDLT calculators so landlords can model a potential sale or purchase alongside their ongoing MTD compliance. Untied does not offer property-specific CGT or SDLT tooling within its standard workflow.
Which tool is right for you?
For a broader view, see our full MTD software comparison for landlords.
| Your situation | Our steer | Reason |
|---|---|---|
| 2+ properties, MTD quarterly required | LandlordTaxAi | SA105-native AI categorisation and multi-property MTD workflow cut quarterly admin time substantially. |
| Freelancer / contractor with one buy-to-let | Untied | All income types in one app, open banking feed, strong mobile experience for mixed-income taxpayers. |
| HMO portfolio landlord | LandlordTaxAi | HMO P&L, high transaction volume AI, and SA105 box-level precision are features Untied does not match. |
New to MTD for Income Tax? Read our MTD for landlords guide for quarterly deadlines and record-keeping requirements. Also see our article on the MTD penalty points system for landlords to understand what happens if you miss a submission.
LandlordTaxAi vs Untied: frequently asked questions
Is Untied designed for landlords?
Untied was built primarily for freelancers, contractors, and gig-economy workers who need self-assessment filing. It includes a property income section, but landlord-specific workflows — SA105 box-level categorisation, HMO profit and loss, multi-property MTD quarterly submissions — are not its core design focus. Landlords with complex portfolios will find LandlordTaxAi more granular.
Does Untied support MTD for Income Tax?
Untied has indicated MTD for Income Tax support. Verify its current position on HMRC's compatible software list at gov.uk/guidance/find-software-thats-compatible-with-making-tax-digital-for-income-tax before relying on it for the 6 April 2026 mandate.
Does LandlordTaxAi have HMRC recognition?
LandlordTaxAi's HMRC recognition is pending. The software connects to HMRC's MTD for Income Tax API and direct submission is launching soon. Always verify the current recognition status at landlordtax.nexuspilot.co.uk before your first quarterly submission.
Which tool handles Section 24 mortgage interest correctly?
Both tools accommodate Section 24 treatment. LandlordTaxAi categorises mortgage interest automatically to SA105 Box 44 (residential finance costs) when it processes your bank statement CSV, keeping it separate from allowable expenses throughout the year. Untied requires manual categorisation of finance costs within its self-assessment workflow.
Can I use Untied if I have both rental income and freelance income?
Yes. Untied is designed for taxpayers with multiple income types and handles freelance, rental, and employment income in a single self-assessment return. If property is only part of your income picture, Untied's breadth is a genuine advantage. LandlordTaxAi handles rental income only.
Which is better for a landlord with four or more properties?
LandlordTaxAi is the stronger choice for landlords with four or more properties. Its AI processes high transaction volumes across multiple properties simultaneously, each with its own SA105 categorisation. The multi-property MTD quarterly workflow — review, approve, submit per property — is central to its design. Untied's property features are better suited to a single property alongside other income.
LandlordTaxAi Editorial Team
The LandlordTaxAi editorial team writes about UK landlord tax, HMRC compliance, and Making Tax Digital. Our content is reviewed against current HMRC guidance and updated when legislation changes. Operated by LandlordTaxAi, United Kingdom. Follow us on LinkedIn.
Last reviewed: 29 April 2026 · This page is informational only and does not constitute tax or financial advice. Consult a qualified accountant for your circumstances. Competitor information is based on publicly available sources; always verify directly with each provider.