I’m a sole trader with two distinct income streams under my own name (first name + surname): • Self-employment (main income source)• Rental income as a landlord I’ve recently subscribed to QuickBooks Self-Employed and realised I can’t add landlord income as a second business alongside my main activity. From what I can see, the only option would be to open a second QBSE subscription to manage the rental income separately, even though both activities are run by me personally.With MTD for Income Tax coming in from April, I’d appreciate some clarification on the following: Is opening a separate QBSE subscription for rental income the recommended or best-practice approach?Will HMRC accept submissions from two separate QuickBooks Self-Employed companies under the same taxpayer?When submitting to HMRC, does QuickBooks combine figures from both accounts, or are they submitted separately and then consolidated by HMRC?How are tax and National Insurance contributions handled when one account relates to self-employment income and the other to rental income? My main concern is ensuring income, tax, Personal Allowance and National Insurance are reported correctly, without any duplication or reporting issues. Any advice would be much appreciated.

Question

QBSE: Submitting MTD with two income sources to HMRC (self-employment and rental income)

Forum|Forum|5 months ago
January 26, 2026
2 replies
37 views

I’m a sole trader with two distinct income streams under my own name (first name + surname):

• Self-employment (main income source)
• Rental income as a landlord

I’ve recently subscribed to QuickBooks Self-Employed and realised I can’t add landlord income as a second business alongside my main activity. From what I can see, the only option would be to open a second QBSE subscription to manage the rental income separately, even though both activities are run by me personally.

With MTD for Income Tax coming in from April, I’d appreciate some clarification on the following:

Is opening a separate QBSE subscription for rental income the recommended or best-practice approach?
Will HMRC accept submissions from two separate QuickBooks Self-Employed companies under the same taxpayer?
When submitting to HMRC, does QuickBooks combine figures from both accounts, or are they submitted separately and then consolidated by HMRC?
How are tax and National Insurance contributions handled when one account relates to self-employment income and the other to rental income?

My main concern is ensuring income, tax, Personal Allowance and National Insurance are reported correctly, without any duplication or reporting issues.

Any advice would be much appreciated.

A

ArielI

QuickBooks Team

Hello, @lpolkowski91256.

I appreciate the detailed information you provided. Let me clarify some of your questions about making MTD submissions to HMRC for two separate income streams.

To answer your first question, yes, that's correct. QuickBooks Self-Employed currently does not support multiple businesses or income streams within one subscription. Opening a separate QBSE subscription for rental income is a common workaround to keep records separate.

Regarding whether HMRC will accept submissions from two separate QBSE subscriptions and how those submissions are consolidated, I recommend contacting HMRC directly for definitive guidance.

To answer your last question on how tax and National Insurance contributions are treated when one account relates to self‑employment and the other to rental income, we recommend seeking advice from your accountant. They can guide you and confirm the best practices when it comes to handling this matter.

Let us know if you have further questions, we'll be right here to help you anytime.

L

lp95Author

Thanks for the reply. I appreciate you taking the time to respond. However, I don’t feel this fully addresses the core of my question. My concern isn’t about HMRC policy or personal tax advice, but about how QuickBooks Self-Employed handles MTD submissions at a software level.

HMRC has already made it clear that MTD submissions rely on the accounting software to structure and transmit the data correctly under a single taxpayer and UTR. What I’m trying to understand is:

• Whether QuickBooks is technically able to submit data from two separate QBSE subscriptions under the same UTR
• Whether those submissions are linked or consolidated by QuickBooks before being sent to HMRC, or whether they remain completely separate
• Whether QuickBooks has any documented guidance for users with both self-employment and rental income under MTD

These are product-specific questions about QBSE functionality, rather than something HMRC or an accountant would be able to answer definitively.

I’d appreciate it if this could be escalated to someone with knowledge of the QBSE MTD integration or product roadmap, or if you could point me to any official documentation that covers this scenario.

Thanks in advance for your help.

E

Erika_K

QuickBooks Team

We appreciate you taking the time to outline your concerns, lp95.

Staying compliant with HMRC’s MTD regulations is a priority, and we understand the importance of ensuring your specific QuickBooks plan meets your software needs.

You'll have to contact our live support team directly. They can further verify your concerns with MTD and provide accurate guidance on your specific QuickBooks plan functionality.

Here's how:

Sign in to your QuickBooks account.
Click the Help (?) icon.
Scroll down to select the Contact Us button and follow the prompts.
Choose request a callback or start a live chat with an expert.

Be sure also to review their support hours to confirm availability.

Compliance with tax regulations is essential for any business. For other QuickBooks questions, don't hesitate to visit the QuickBooks Community forum for assistance.

C

Chris644

Hi Ip95

Were you able to resolve this? We have exactly the same problem - can't get through to HMRC or get a definitive answer from QuickBooks.

Thanks

Chris644

L

lp95Author

I ended up going with Freeagent, as they had it clearly outlined in their tutorials and seemed to be much better prepared for upcoming changes.

Sign up

Login with SSO

Let's get you signed in

Login with SSO

Scanning file for viruses.

This file cannot be downloaded