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Tendmere

Product updates

Changelog

New features, improvements, and fixes. We ship regularly to make Tendmere better for UK landlords.

v0.922 April 2026

MTD for Income Tax — end-to-end

Every HMRC endpoint needed for the MTD for Income Tax landlord flow is now code-complete and proven against the Sandbox. Production-approval request is going out to HMRC's SDST team.

  • NewOAuth 2.0 authorisation flow with HMRC Government Gateway (18-month refresh tokens, auto-rotation)
  • NewBusiness Details (MTD) v2.0 — fetch and store the user's MTD Income Tax ID and property business IDs
  • NewObligations (MTD) v3.0 — real quarterly deadlines rendered in-app, replacing our hardcoded quarter calculator
  • NewProperty Business (MTD) v6.0 — direct Cumulative Period Summary PUT for tax years 2025-26+, with a full audit log in `hmrc_submissions`
  • NewIndividual Calculations (MTD) v8.0 — trigger calculation, retrieve the tax breakdown, submit final declaration
  • NewSelf Assessment Accounts (MTD) v4.0 — fetch balance and transactions so users can see what they owe
  • NewHMRC fraud prevention headers on every authenticated request (device ID, timezone, screens, browser UA, public IP, vendor ID)
  • NewSA105 expense mapping — centralised translation from Tendmere's expense categories to HMRC's cumulative submission shape
  • ImprovedGov-Test-Scenario CUMULATIVE forwarded by default on Sandbox so the obligations timeline shows tax-year-2026-27 quarters instead of HMRC's 2018/2019 stub
v0.822 April 2026

Daily-triage redesign across Properties, Activity, and Tenant app

A big design handoff lands: the Properties list is now a morning-triage tool, the Activity inbox reads like a conversation rather than a filing cabinet, and the first real tenant-facing UI is live behind a role flag.

  • NewProperties list v2 — Needs-attention / Rent / A–Z sort with a portfolio-health strip, gold FAB, and compact cards at 10+ properties
  • NewActivity inbox v2 — urgency bands, swipe-to-snooze (24h) and swipe-to-handled (30d), ‘All good’ confetti at inbox zero
  • NewTenant app shell (bundle 2) — first tenant-facing screens with greeting band, rent card, repairs and account tabs (closed beta)
  • ImprovedRole-switcher pill for users who are both landlord and tenant across workspaces
v0.722 April 2026

Tenant invitations and landlord→tenant messaging

Landlords can now invite tenants to a tenant account (with GDPR consent, 7-day expiring tokens, Resend-delivered emails) and send messages that fan out to tenant email addresses with tracked replies.

  • NewTenant invitation flow — mint a 7-day token, deliver a branded email, let the tenant set a password and join their tenancy
  • NewMessaging v2 — iMessage-style threads, six starter templates, activity inbox integration
  • NewServe a Section 8 notice via Tendmere — PDF generated, delivered as an attached notice with a Resend delivery-event audit chain
  • NewResend delivery webhook — `delivered` / `opened` / `bounced` events logged for every outbound landlord message
  • ImprovedLandlord-outbound messages now mark as read at send time so they don't pollute the Activity inbox
v0.618 April 2026

Onboarding redesign — conversational signup and smart compliance

A 10-phase rebuild of the signup flow: we ask who you are before what you own, pre-fill area rent from outcode, seed the right compliance checklist for your property type, and end on an animated celebration screen.

  • NewConversational signup — name, role, portfolio size, and primary pain point captured in four quick screens
  • NewProperty step pre-fills average rent for your outcode from 79 seeded UK areas
  • NewSmart compliance templates — different certificate lists for house / flat / HMO / commercial
  • NewPush-notification priming screen — shown once, learns to skip on subsequent visits
  • NewLifecycle drip emails (D0 welcome / D2 add-tenant / D5 need-a-hand / D7 recap / D10 receipt scanner / D14 trial-end)
  • NewDemo-data generator — one-tap sample workspace with property, tenant, certs, rent, expense, and document, all tagged `is_demo` and reversible
  • NewActivation checklist on the Dashboard — five progressive steps that disappear once you've set up
v0.510 April 2026

Commission partners — referencing, compliance, insurance, mortgages

Four partner surfaces land in-app to cover services users already buy elsewhere. Edge functions scaffold the flows; actual bookings remain disabled until partner contracts, credentials, and production checks are complete.

  • NewTenant referencing flow scaffold — Canopy integration, order from the tenant detail screen
  • NewCompliance engineer booking — Plentific scaffold, booking timeline on every compliance item
  • NewLandlord insurance introduction — Simply Business signposted flow (FCA posture: introducer only)
  • NewBTL mortgage introduction — London & Country signposted flow with MCOB repossession warning
  • NewPartner Hub — one discovery screen for every partner service under More → Landlord services
v0.420 March 2026

Document vault and receipt scanning

The prototype added document upload and a provider-configured assisted-extraction rail. Extracted fields always required human review and manual entry remained available.

  • NewDocument vault with workspace-scoped storage RLS across property-photos / certificates / documents / receipts buckets
  • NewAssisted document extraction prototype — provider-configured proposals with human review
  • NewDocument templates with token substitution for tenancy-agreement-style reusable forms
  • NewProvider-gated EPC lookup workflow with manual entry fallback
  • NewPostcode lookup with Royal Mail-sourced address validation
v0.312 February 2026

Compliance tracking and maintenance

The compliance engine goes live: Gas Safety, EPC, EICR, Legionella, smoke/CO, deposit protection — with a dashboard strip that shows what's expiring in 7 / 30 / 90 days.

  • NewCompliance types with multi-stage reminders at 90, 30, and 7 days before expiry
  • NewUrgent section on the Dashboard surfacing anything red or amber
  • NewMaintenance requests — tenant report, contractor assignment, photo evidence
  • ImprovedTraffic-light compliance widget on the Dashboard
v0.215 January 2026

Rent, expenses and CSV import

Log rent payments against tenants, track expenses in HMRC-aligned categories, import from spreadsheets with AI column mapping. Foundation for the MTD work that lands later in the quarter.

  • NewRent tracking with partial payments, status indicators and arrears calculation
  • NewExpense categories aligned to HMRC SA105 boxes (repairs, insurance, agent fees, etc.)
  • NewRecurring expense templates
  • NewCSV / Excel import with suggested column mappings and a required preview before confirmation
  • NewProperty-level P&L report
v0.18 December 2025

Foundation — properties, tenants and workspaces

First version of the Tendmere app ships to closed beta. Multi-workspace architecture, Supabase-backed auth, property and tenant CRUD, a dashboard with basic metrics.

  • NewWorkspace-per-portfolio model with owner / manager / viewer / accountant roles
  • NewProperty management — CRUD, photos, multi-property support
  • NewTenant profiles with lease dates, deposit info and contact details
  • NewFree tier for 1-2 properties, no credit card required
  • NewResponsive web app at app.tendmere.com; Expo native codebase remains pre-release
  • NewRow-level security on every table — workspace-scoped by design
v0.014 October 2025

Down the Cove Group Ltd incorporated

Company registered at Companies House (No. 16784991). Work begins on Tendmere — the calm UK landlord app.

  • NewInitial prototype repository and managed-hosting stack set up; production later migrated to Tendmere-controlled dedicated EU infrastructure
  • NewInitial data model for UK-specific compliance, tax and tenancy rules

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