Is Hammock worth the monthly fee for UK landlord MTD compliance?
VoxaMTD vs Hammock: feature by feature
| Feature | VoxaMTD | Hammock |
|---|---|---|
| Free tier | Free forever | 30-day trial then paid |
| Price after trial | £0 | £8–£31.50/month + VAT |
| Per-property dashboard | Yes | Yes |
| Section 24 automatic handling | Yes | Yes |
| Sole-trader self-employment | Yes (free) | Limited |
| AI voice accountant | Yes (Alex) | No |
| Open banking with any UK bank | Yes (Finexer) | Yes |
| Submits to HMRC's MTD ITSA API | Yes | Yes |
Frequently Asked Questions
Is Hammock free for landlords?
Hammock offers a 30-day free trial, after which it costs from £8/month plus VAT for 1–3 properties up to £31.50/month plus VAT for 21+, with 20% off if you pay annually. There is no permanent free tier.
Does Hammock submit MTD ITSA quarterly updates?
Yes. Hammock is HMRC-recognised for MTD ITSA personal property submissions.
Does Hammock handle hybrid sole-trader plus landlord income?
Hammock is property-focused. Self-employment income tracking is limited and most hybrid earners use a second tool, which adds reconciliation work at the final declaration.
Why pick VoxaMTD over Hammock for a property portfolio?
VoxaMTD is structurally cheaper because there is no scenario in which it stops being free. For a portfolio paying £24.99/month over ten years, that is roughly £3,000 saved. VoxaMTD also handles hybrid income natively and includes Alex (voice AI accountant).
Can I move from Hammock to VoxaMTD before my trial ends?
Yes. Export your transactions from Hammock as CSV and import them into VoxaMTD, then reconnect your bank account via Finexer. A typical migration takes 30 minutes.
Ready to switch from Hammock?
Free MTD ITSA submissions, AI categorisation, open banking with any UK bank. No credit card required.
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