Padlord
A portfolio tracker for UK landlords. Yields, cashflow, deadlines and documents for every let, and an AI that answers from them.
- Free for 3 properties
- Compliance dates tracked
- Marlow AI assistant
Padlord vs Hammock: built for the lets you own
Hammock imports your bank feeds and files Making Tax Digital returns. Padlord keeps the deadlines, documents and deal checks for your lets in one place.
Last checked 1 October 2026
Hammock
Bookkeeping and Making Tax Digital software for UK landlords, with unlimited bank feeds matched to each property and tenant.
- Trial, then from £8 + VAT
- Files MTD returns
- iOS and Android apps
Padlord vs Hammock, side by side
| Padlord | Hammock | |
|---|---|---|
| Best for | Landlords running the lets they already own | Landlords in MTD who want bank-fed bookkeeping |
| Price | Free for up to 3 properties. Plus £9.99 a month | 30-day trial, then from £8 a month + VAT for up to 3 properties |
| Making Tax Digital | Exports a quarterly summary on Plus, for your filing software | Files UK and foreign property updates and the tax return |
| Bank feeds | No. Rent follows your tenancies and you log costs | Yes, unlimited bank and card feeds on every plan |
| Compliance reminders | Gas, EICR, EPC and licences tracked; push reminders on Plus | Reminders before gas certificates or insurance expire |
| Deal analysis | Free calculator, no sign-up, with personal vs company tax | No deal analyser; insights cover properties you own |
| AI assistant | Marlow answers from your portfolio: 25 a month free | No AI assistant described on its site |
| Tenants | No tenant app | No tenant app; tracks rent and arrears per tenant |
| On your phone | Web app on your home screen, no app store app | iOS and Android apps |
Hammock and its logo belong to its owner. Padlord is not affiliated with Hammock.
Your deadlines find you.
Gas, EICR, EPC, licences and insurance for every property, with what needs attention first. On Plus, a reminder reaches your phone before each one is due.
Ask your portfolio anything.
Marlow, Padlord's AI assistant, answers from your own properties, tenancies and documents. Share a certificate and it fills in the dates for you to approve.
Know the deal before you sign up anywhere.
The deal calculator is free, with no sign-up. It works out yield, cashflow and stamp duty, and what you keep owning personally or through a limited company.
Which one is for you?
Choose Padlord if
- You want to test a deal before you buy, with no sign-up
- You want an AI that answers from your own portfolio
- You want to start free, for up to 3 properties
Choose Hammock if
- You are in MTD and want returns filed from your records app
- You want rent and costs imported from unlimited bank feeds
- Your accountant wants a free dashboard linked to your books
Questions about Hammock
Is Hammock free?
No. Hammock has a 30-day free trial, then plans start at £8 + VAT a month for 1 to 3 properties, with 20% off for annual billing. Padlord is free for up to 3 properties, but it does not file Making Tax Digital updates.
Does Hammock work with Making Tax Digital?
Yes. Hammock is on HMRC's list of MTD for Income Tax software for UK and foreign property quarterly updates and the tax return, included on every plan. Padlord does not file: Plus exports a quarterly summary for your filing software or accountant.
What is a good Hammock alternative?
If you need MTD filing, choose another product from HMRC's list, because Padlord does not file. If you want compliance dates, documents, deal checks and an AI across your portfolio, Padlord is free for up to 3 properties and can run next to your MTD software.
Hammock or Padlord for a small portfolio?
Pick Hammock if you are in MTD and want bank feeds and filing in one app, at £8 + VAT a month for up to 3 properties. Pick Padlord if you want yields, deadlines and documents in one place, free for up to 3 properties. A landlord in MTD can use both.
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Free for up to 3 properties. Join before 31 January 2027 for annual Plus at £59 a year.
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