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 landlords whose qualifying income — gross property plus self-employment income — was over £50,000. In April 2027 the threshold drops to £30,000, and in April 2028 to £20,000.
Meanwhile the Renters’ Rights Act 2025 has changed how tenancies work in England: since 1 May 2026, Section 21 is gone and landlords must rely on the reformed Section 8 grounds. 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 for the records, dates and evidence behind every property. 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 seven team roles, from owner and manager to accountant and landlord client
- Company sign-in (SSO) for Enterprise workspaces — planned, not available yet
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. Tendmere does not give regulated advice. For mortgages, insurance or tax advice, use an FCA-authorised firm or a qualified accountant. Our partner referrals are not live yet.
Principles
Four lines we don't cross
Landlords first
Tendmere starts from the self-managing landlord and the small portfolio. Agency features, such as team roles, build on the same landlord record.
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
From incorporation to launch
What Tendmere has shipped since Down the Cove Group Ltd was incorporated on 14 October 2025, and what is still to come. Tendmere launched publicly on 6 October 2026.
- 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 2026Shipped
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.
- May–Sep 2026Shipped
Renters' Rights Act and a safer sign-in
Tenancy records and notice preparation updated for the Renters' Rights Act changes in England from 1 May 2026, two-step sign-in, and the controlled free web beta for 1–2 properties.
- Oct 2026Now
Public launch
Tendmere opens to every UK landlord. Every plan is free for now, with every feature included and no card needed.
- Provider approvalsNext
HMRC production approval + Open Banking
HMRC production filing, TrueLayer Open Banking and partner services remain gated until approvals, credentials, and live verification are complete. Tendmere 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.
Every plan is free right now, with no card needed. Complete the guided setup at your own pace.
No card required · Every plan free for now