Designed and built in Leeds
Built for the quietly overwhelmed landlord.
A small UK team turning property law, rent records, repairs and tax admin into one calm operating system — because landlording should feel controlled, not scattered.
Why Tendmere exists
UK landlording in 2026 is a compliance problem, not a spreadsheet problem.
On 6 April 2026, Making Tax Digital for Income Tax became mandatory for every UK landlord earning over £50,000. In April 2027 the threshold drops to £30,000. By 2028 it’s £20,000 — roughly anyone with two average rentals.
Meanwhile the Renters Rights Bill is rewriting how landlords serve notice. Selective licensing is spreading across councils. Gas, EPC, EICR, deposit, and HMO rules stack with their own deadlines. The only safe way to run a small portfolio in 2026 is a disciplined operating system — and that’s what didn’t exist.
Existing options split neatly into three groups: agency software that treats landlords as an afterthought, US products with a UK sticker, and spreadsheets that silently break when HMRC pings for a quarterly update. So we started Tendmere.
One app. UK rules, baked in. MTD-ready. Calm on a Tuesday morning.
Scope
What's in the box — and what isn't
Opinionated scope means we ship what landlords actually need, and we're honest about what they should get from a better specialist.
What Tendmere does
- Rent tracking with arrears and partial payments
- Compliance deadline engine (Gas, EPC, EICR, HMO, Legionella, deposits)
- HMRC-aligned expense categorisation and SA105 reports
- MTD for Income Tax digital records and review packs (production submission disabled)
- Tenant records with invitation flow and in-app messaging
- Maintenance requests, contractor assignment, photo evidence
- Document vault with provider-gated assisted extraction and human review
- Multi-user workspaces with owner / manager / viewer / accountant roles
- Controlled Enterprise SSO rails requiring verified provider configuration
What Tendmere doesn’t
- Regulated client-money safeguarding or a replacement for an agency's own controls
- Mortgage advice, broking or applications
- Insurance advice, quotes, policy sales or provider data sharing
- Tax advice (we prepare HMRC-ready records; your accountant is still your accountant)
- Tenant-find portals (OpenRent / Rightmove / Zoopla cover this better)
- Property valuations or yield guarantees (you own your investment thesis)
Where we don’t build it, we signpost. Regulated advice (mortgages, insurance, tax) goes through FCA-authorised partners and qualified accountants — never us.
Principles
Four lines we don't cross
Landlords, not letting agencies
Tendmere is for self-managing landlords and small portfolio holders. We don't retrofit an agency CRM and call it a landlord app.
UK-first, not US-translated
SA105, Gas Safety, EICR, TDS / DPS / MyDeposits, MTD ITSA. We speak HMRC, not IRS — every feature is built for how the UK actually works.
Calm over complexity
Property management doesn't need 200 settings. We prioritise a clear view of the records and next actions that matter.
Your data, your business
Use the exports available in each record or report, or request a privacy export. Core services are EU-hosted, and we do not sell or rent personal data.
The team
Eight people, one small office, a shared spreadsheet for the bad coffee days.
Tendmere is founder-led and based in Leeds. We’re an 8-person team of engineers, designers, and support — small enough that every decision reaches a user in days, not quarters.
We ship weekly, read every customer email ourselves, and prototype inside real UK tenancies. When something breaks, we hear about it the same morning and fix it the same week.
Down the Cove Group Ltd (Company No. 16784991, Leeds) is the legal entity behind Tendmere. We’re ICO-registered, VAT-aware, and quietly serious about the regulatory side — because the landlords we serve have to be.
The journey
Six months in, launch ahead
Everything Tendmere has shipped and what's up next. Pre-public-launch and honest about it — we're a six-month-old company racing a regulatory deadline.
- Oct 2025Shipped
Down the Cove Group Ltd incorporated
Tendmere begins in Leeds with one clear brief — build the calm UK landlord app before the April 2026 MTD deadline.
- Dec 2025Shipped
First closed beta
Workspaces, properties, tenants, and a free tier for 1–2 properties. A handful of friendly landlords start breaking it for us.
- Jan–Mar 2026Shipped
The landlord operating system
Rent, expenses, SA105 categories, compliance records, maintenance requests and document storage. Assisted extraction remained provider-configured and subject to human review.
- Apr 2026Now
MTD for Income Tax, end-to-end
Every HMRC endpoint wired against the Sandbox: OAuth, Business Details, Obligations, Property Business cumulative submission, Individual Calculations, Final Declaration, SA Accounts. Properties and Activity get a full redesign. Tenant app shell in closed beta.
- Provider approvalsNext
HMRC production approval + Open Banking
HMRC production filing, TrueLayer Open Banking, partner services, and paid billing remain gated until approvals, credentials, and live verification are complete. The web beta keeps manual and export workflows available in the meantime.
- LaterNext
Accounting syncs and tenant payments
Two-way sync with Xero and QuickBooks. Stripe + GoCardless so tenants can pay rent natively from inside Tendmere.
We publish a full changelog every time something lands on master, and an honest roadmap for what’s coming. No surprises.
Talk to us
We reply to every email.
Feature requests, sharp questions, “how does this handle a Section 8 during probate” edge cases — all welcome. We’re founder-led; there’s no support-bot wall.
- General
- support@tendmere.com
- Privacy / UK GDPR
- privacy@tendmere.com
- Security disclosures
- security@tendmere.com
- Post
- Down the Cove Group Ltd
18 Bond Street, Leeds, LS15 8GE
United Kingdom
See if Tendmere fits your portfolio.
Current controlled-beta access takes no card payment. Complete the guided setup at your own pace.
No credit card required · Controlled web beta for 1-2 properties