From 6 April 2026, every UK sole trader and landlord earning £50,000+ must submit accounts to HMRC quarterly via MTD-compliant software. We do all of it — setup, software, quarterly submissions, year-end. By an ACMA-CGMA, not an offshore bookkeeper.
No long-term contracts · Cancel any quarter · ACMA CGMA · 24 years professional finance
You're caught by MTD ITSA from 6 April 2026 if any of these apply:
If you're below £50,000 in 2026/27, you have until April 2027 (£30K) or April 2028 (£20K). Setting up early gives you 12 months of "practice runs" before penalties bite.
All prices in GBP. No surprise fees. Done for you, not done-with-you.
We set everything up properly. You file the quarterly submissions yourself in the software we configure.
+ £495 one-time setup
Everything in Setup, plus we run the quarterly rhythm for you. You sign off, we submit.
+ £695 one-time setup
Sole trade + multiple rental properties, or sole trade + multiple businesses.
Tailored MTD ITSA pages for the professions and cities hit hardest by April 2026.
3 questions. We email a personal report with software recommendation, deadline, and flat-rate cost — no call required.
You confirm income sources, software preference, and we agree the tier. £495 setup invoiced.
Software configured, chart of accounts built, bank feed live, PayPal/Stripe connected, HMRC agent authorised.
90 days of past transactions reconciled and categorised so your first quarterly submission has clean opening data.
60-minute call walking you through everything, plus a written guide for your records. You're compliant.
7-question diagnostic. We email you a 2-page PDF report covering: are you in scope, what software you should use, what's missing in your records, and what it'll cost to fix.
We email you the diagnostic. You complete it in 4 minutes. We email back a tailored 2-page report.
| Option | Annual cost | Your time | Risk |
|---|---|---|---|
| DIY with FreeAgent/Xero | £0–£228 (software only) | 4–6 hrs/quarter | £200/point penalty if you miss |
| Local high-street accountant | £800–£2,400/yr | 1–2 hrs/quarter chasing them | Mixed — most aren't MTD-ready |
| BlackpeakCFO MTD ITSA Plus | £2,295 Year 1 / £1,800 ongoing | ~15 min/quarter (sign-off) | CGMA-qualified · MTD specialist |
| Bookkeeper + accountant (split) | £1,800–£3,600/yr | 1 hr/quarter coordination | Information lost between two parties |
6 April 2026 if your qualifying income (sole trade + rental) exceeds £50,000. 6 April 2027 if it exceeds £30,000. 6 April 2028 if it exceeds £20,000. Limited companies and most partnerships are not in scope yet.
From your first late quarterly submission, HMRC issues penalty points. Four points triggers a £200 fine, and each subsequent late submission adds another £200. Points reset only after 12 months of fully on-time submissions. Plus interest on any late payment of tax.
Software selection and onboarding (Xero, FreeAgent, QuickBooks Self-Employed or Coconut depending on fit), chart of accounts mapping to HMRC's quarterly categories, 90 days of historical transaction tagging, bank feed and PayPal integration, and your HMRC MTD ITSA registration. Plus a 60-minute training call so you know what you're looking at.
All four quarterly submissions, the year-end Final Declaration, monthly bookkeeping reconciliation (up to 200 transactions/month), one VAT return if applicable, and email/Slack support within one business day. You don't need an accountant on top of this — but if you have one, we work alongside them.
Yes — FreeAgent is free if you bank with Mettle or NatWest Group. About 30% of our enquirers self-serve and never become clients. We're explicit about this. We serve the people who would rather pay £150/mo than spend 4 hours per quarter on this — same outcome, different price.
Each income source needs its own digital record and its own quarterly submission. So you'd file eight quarterly submissions per year plus a single Final Declaration. The £150/mo plan covers up to two income sources; £225/mo covers three or more.
Stuart Wilson (ACMA CGMA, 24 years in professional finance — Group Finance Director for a portfolio of small and mid-sized businesses in London for seven years, ex-Arle Capital). Not a junior bookkeeper, not offshored, not a chatbot. Single named professional accountable for your account.
Guides to help you prepare for the April 2026 mandate.
Send your details — we reply within one business day, by email. We confirm fit, agree the tier, and you're compliant within two weeks. No pitch, no commitment.
Send My Details →Or email stuart@blackpeakcfo.com