LandlordOS vs Hammock: Which Landlord Software is Right for You?

Quick comparison: LandlordOS vs Hammock at a glance

Pricing comparison

LandlordOS offers a permanent free tier and flat-rate Pro plans. Hammock uses tiered pricing based on property count with no free tier beyond a trial.

LandlordOS pricing

Hammock pricing

Both offer 30-day free trials. Hammock's trial is the only way to access the platform without paying. LandlordOS has a permanent free plan for landlords with just one or two properties, which makes it a good starting point if you are not ready to commit financially.

Value analysis by portfolio size

• 1-2 properties: LandlordOS Free costs nothing. Hammock Starter is £5/mo (£60/year).
• 3 properties: LandlordOS Pro is £9/mo. Hammock Starter is £5/mo. Hammock is cheaper here, though LandlordOS includes more management features.
• 4-10 properties: LandlordOS Pro is £9/mo. Hammock Growth is £10/mo. Very similar pricing.
• 10+ properties: LandlordOS Pro is still £9/mo or £15/mo with accounts. Hammock requires custom pricing, which may be higher.

Feature-by-feature comparison

Hammock focuses on what happens in your bank account. LandlordOS focuses on what happens with your properties. The overlap is smaller than you might expect.

Accounting and tax

This is Hammock's core strength. It connects directly to your bank accounts via Open Banking, automatically categorises rental income and expenses, and generates MTD-compliant quarterly reports for HMRC submission. It is one of the first landlord-specific tools to be HMRC-recognised for Making Tax Digital for Income Tax Self Assessment (MTD for ITSA).

LandlordOS offers income and expense tracking on the Pro + Accounts plan with statement upload (CSV/PDF) and AI-powered import and categorisation rather than live bank feeds. MTD support is on the roadmap but is not yet HMRC-approved. We believe in being upfront about this -- if MTD is your immediate priority, Hammock delivers it now.

For more on what MTD means for landlords, read our guide: Do landlords need Making Tax Digital?

Compliance tracking

LandlordOS provides comprehensive compliance management: automated reminders for gas safety certificates, EICRs, EPCs, and deposit protection deadlines. Upload a certificate and the AI reads it, extracting expiry dates and key details automatically. This is particularly valuable given that missing a gas safety renewal can result in fines up to £6,000, and an EICR breach can cost up to £30,000.

Hammock's compliance features are more limited. Its focus is financial compliance (ensuring your books are MTD-ready) rather than property safety compliance. You would need to track certificate renewals separately.

See the full list of requirements in our landlord compliance checklist.

Property and tenant management

LandlordOS is built around the property as the central object. You can manage property details, track tenancies, store documents against specific properties, and monitor the status of each unit in your portfolio. Tenant records include contact details, tenancy dates, rent amounts, and deposit information.

Hammock treats properties primarily as categories for financial transactions. You can assign income and expenses to properties, but deeper property management features (maintenance tracking, detailed tenancy records, compliance per property) are not its focus.

AI capabilities

LandlordOS uses Gemini 2.0 to power two AI features: document processing (upload a gas safety certificate and it extracts the engineer name, date, expiry, and property address) and an AI chat assistant that can answer property management questions in context.

Hammock does not currently offer AI-powered features. Its transaction categorisation uses rules-based automation rather than AI.

Bank feeds and Open Banking

Hammock connects to your bank accounts through Open Banking, pulling in transactions automatically. This saves significant time versus manual entry and reduces errors. It is FCA registered as an Authorised Payment Institution, which is required to offer this service.

LandlordOS offers statement upload (CSV/PDF) with AI-powered import and categorisation rather than live bank feeds. Upload your bank statement and AI imports transactions, categorises them by HMRC category, and matches them to properties.

Where Hammock wins

Hammock is the stronger choice for landlords whose primary concern is accounting, tax compliance, and MTD readiness.

• MTD compliance: HMRC-recognised and ready for the April 2026 MTD deadline. If you have rental income above £50,000, this matters now.
• Bank feed integration: Automatic transaction import via Open Banking saves hours of manual bookkeeping.
• FCA regulation: Registered as an Authorised Payment Institution, providing an additional layer of trust for financial services.
• Clean accounting UX: Purpose-built for rental accounting with a straightforward, focused interface.
• Lower entry price: £5/mo for up to 3 properties is very affordable for landlords who primarily need accounting.
• Tax reporting: Generates reports aligned with HMRC requirements, including quarterly MTD submissions and annual Self Assessment support.

If you think of landlord software primarily as a tool to manage your rental finances and stay on the right side of HMRC, Hammock does this well.

Where LandlordOS wins

LandlordOS is the stronger choice for landlords who want a single platform covering property management, compliance, documents, and tenant tracking -- not just accounting.

• Free tier: Genuinely free for 1-2 properties, indefinitely. No trial expiry, no credit card required.
• Compliance tracking: Automated reminders for gas safety, EICR, EPC, and deposit deadlines. Hammock does not offer this.
• AI document processing: Upload certificates and let AI extract dates, details, and expiry information automatically.
• AI chat assistant: Ask property management questions and get contextual answers powered by Gemini 2.0.
• Property management depth: Manage properties, tenancies, maintenance, and documents in one place.
• Flat-rate pricing: £9/mo or £15/mo for unlimited properties. No per-property scaling costs for larger portfolios.
• Built for 2026 regulations: Designed with the Renters' Rights Act and upcoming regulatory changes in mind.

If you want one platform that handles the operational side of being a landlord -- not just the financial side -- LandlordOS covers more ground.

Who should choose which?

The right choice depends on what problem you are trying to solve. Here is a straightforward decision guide.

Choose Hammock if:

• Your top priority is Making Tax Digital compliance (especially if your income is above £50,000)
• You want automatic bank feed integration to reduce manual bookkeeping
• You already have a system for property management and compliance tracking (spreadsheets, another tool, or an agent)
• You want FCA-regulated financial software
• You primarily need rental accounting, not property operations

Choose LandlordOS if:

• You want one platform for property management, compliance, and documents
• You are a smaller landlord (1-2 properties) and want a free option
• Compliance tracking is important to you (certificate renewals, safety deadlines)
• You want AI-powered features for document processing and property management questions
• You have a larger portfolio and want flat-rate pricing rather than per-property costs
• MTD is not your immediate concern (or you can wait for LandlordOS to add it)

Consider using both if:

• You want Hammock for accounting and MTD, plus LandlordOS for property management and compliance
• You are a portfolio landlord who needs both deep financial reporting and operational management
• Combined cost would be £14-25/mo depending on plans and property count