Making Tax Digital Accountants

Quarterly Tax Submissions. Four Times a Year. Every Year.

From April 2026, Making Tax Digital for Income Tax is mandatory for sole traders and landlords earning over £50,000. The annual self-assessment return you’ve always done is gone — replaced by four quarterly digital submissions a year, plus a final declaration.

That’s five HMRC deadlines a year instead of one. Miss them and you’ll accumulate penalty points that eventually turn into financial fines.

If the thought of managing all that on top of running your business fills you with dread — that’s exactly where we come in.

Make your Tax Digital with us What is MTD?

accountants working on xero accountants medium business

This Is for You If…

You’re a sole trader or landlord earning over £50,000 and need to be MTD-compliant now.
You’re approaching the threshold and want to get ahead before it becomes mandatory for you.
You’re already VAT-registered and unsure whether your current process is fully MTD-compliant.
You tried to handle it yourself and it’s becoming more complicated than expected.
Your previous accountant hasn’t helped you prepare — and you need someone who will.
You simply want the whole thing handled for you, professionally, without having to think about it.

Not sure if MTD applies to your income level right now? Our full guide explains the threshold, phase-in dates, and the combined income rules that catch many business owners by surprise.

Let us help you today

Why Business Owners Get Caught Out Trying to Handle MTD Themselves

MTD sounds straightforward until you’re in it. These are the problems we see most often when clients come to us after trying to manage it themselves:

Wrong software or software set up incorrectly

Not every accounting package is HMRC-approved for MTD submissions. Some are compliant for VAT but not Income Tax. Others are approved but misconfigured. Using non-compliant software and thinking you’re covered is one of the most common and costly mistakes.

Combined income that pushes you over the threshold unexpectedly

HMRC combines all qualifying income from self-employment and property. A tradesperson earning £40,000 from their business plus £15,000 from a rental property has £55,000 of qualifying income — and must comply from April 2026. Many business owners don’t realise this until it’s too late.

Quarterly deadlines that fall through the cracks

Running a business is relentless. Quarterly submissions don’t wait for a quieter week, a busy season, or a family emergency. A missed submission earns a penalty point. Four points triggers a £200 fine — and further £200 penalties for every subsequent late submission until full compliance is maintained for 24 months. The backlog builds quickly.

Not knowing what counts as a valid digital record

MTD requires a complete digital trail — not just the final numbers. Records must originate digitally or be captured digitally from the source. A photograph of a receipt submitted through approved software is fine. A summary figure typed into a spreadsheet from memory is not. The detail matters.

End-of-year surprises because nothing was reviewed quarterly

One of the hidden benefits of MTD — when handled properly — is that you get a clear, up-to-date picture of your tax position every quarter. When businesses manage it poorly, they lose that benefit and still face all the compliance burden.

Here is what is changing and the key dates:

April 2026 – MTD for Income Tax is mandatory if your total income from self-employment and/or property is over £50,000 per year.

April 2027 – The threshold drops to £30,000 per year

April 2028 – Further expansion to those earning over £20,000 per year

MTD Advice for Small and Medium Businesses

Allow us to be your Making Tax Digital experts.

Let’s start talking

What JML’s Making Tax Digital Service Covers

We take on the entire MTD compliance process on your behalf, from initial setup through to every quarterly submission and your year-end declaration. Here’s what that means in practice:

MTD Compliance Review

We start by understanding your income sources, your current record-keeping approach, and whether your existing software meets HMRC’s MTD requirements. We’ll tell you clearly what’s compliant, what isn’t, and what needs to change — with no unnecessary complexity.

Quarterly Submissions Management

Every quarter, we prepare your income and expense update and submit it to HMRC on your behalf — on time, every time. You provide your records in whatever format suits you; we handle the compliance. No deadline anxiety, no penalty points accumulating in the background.

Final Declaration

At the end of each tax year, we complete your final declaration ensuring all income sources are included, all allowable expenses are claimed, and your tax liability is calculated correctly.

Software Setup & Onboarding

We work with Xero, QuickBooks, and FreeAgent all HMRC recognised for MTD. We recommend the right platform for your business, configure it correctly from day one, and make sure your records are structured in a way that makes quarterly submissions straightforward. If you already have software, we’ll review whether it’s set up properly.

Proactive Tax Planning Throughout the Year

Registered Agent Status

We act as your registered agent with HMRC, which means we can enrol you for MTD, communicate with HMRC on your behalf, and manage any queries or issues directly. You don’t need to deal with HMRC — we do.

Speak to our Team Other Services at JML

Already VAT-Registered?
Your MTD Compliance May Have Gaps.

MTD for VAT has been mandatory for all VAT-registered businesses since April 2022. Most businesses believe they’re compliant — but compliance means more than just filing digitally. It requires a complete, unbroken digital link from your records to your VAT return submission.

We regularly find VAT-registered businesses that are filing through MTD-compatible software but have manual steps in their process that break the digital link — making them technically non-compliant without realising it.

If you’re VAT-registered and haven’t had your MTD process reviewed recently, it’s worth a quick conversation.

Making Tax Digital — Your Questions Answered

For general guidelines about what MTD is, who it applies to, and how the system works, see our full MTD Guide. The questions here are specifically about the service.

Yes. If you’re already enrolled for MTD but unhappy with how it’s being managed, we can take over as your registered agent. We’ll review what’s been submitted, identify any issues, and take responsibility for all future submissions. The handover process is straightforward.

If you’re approaching the threshold or likely to exceed it during this tax year, it’s worth getting ahead now. Setting up compliant software and good record-keeping habits before you’re mandated means the transition is seamless rather than rushed. We can also help you understand whether your combined income from multiple sources might bring you in sooner than you expect.

In practice, most clients don’t notice much change to their daily routine. You continue running your business and keeping records in your usual way — we ensure those records are captured in MTD-compliant software and submitted to HMRC each quarter. The main difference is that instead of a January panic, your tax affairs are kept current throughout the year.

Don’t ignore it. HMRC’s penalty points system means missed submissions accumulate — and the sooner gaps are addressed, the better. We can review your submission history, understand where you stand with HMRC, and get you back on track with a clean process going forward.

Our MTD service fees are transparent and agreed upfront. The cost depends on your business complexity, number of income sources, and whether you need software setup as part of the onboarding. We’ll give you a clear quote in writing with no hidden extras and no bill surprises at year-end.

Yes, you are affected by the changes to Making Tax Digital. We’ve written a post for CIS Subcontractors to help you further understand how this affects you from Aoril 2026,

We handle everything on the compliance side. What we need from you is your financial records; receipts, bank statements, invoices in whatever format suits you. We do the rest. Many clients simply share access to their bank feeds and cloud storage; others prefer to send us a monthly summary. We work around you.

Making Tax Digital Support Across Surrey & Hampshire

We work with sole traders, small to medium businessess across the region including:

Godalming

Guildford and the surrounding villages

Farnborough

Petersfield

Whether you prefer to meet in person, work entirely remotely, or a mix of both — we work around you. Our clients range from self-employed tradespeople and freelancers to property investors and micro-businesses, all with different levels of confidence around technology and finance.

You don’t need to be a spreadsheet expert to work with us. You just need to be ready to make a change — and we’ll handle the rest.

Headquarters

10-11 Innovation Place, Douglas Drive, Catteshall Lane,
Godalming,
Surrey,
GU7 1JX

Don’t Leave MTD to the Last Minute

April 2026 is here. The businesses that are already struggling are the ones that left it too long. The ones sleeping easy are the ones who sorted it early.
Whether you’re already affected, approaching the threshold, or just want to understand where you stand — a conversation with us costs nothing and clarifies everything.

Book a Free MTD Review

Call us, email us, or use our contact form. We respond within 24 Hours
No jargon. No judgement. Just straightforward advice from local accountants who know their stuff.

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