What Is Hammock?
Hammock is a tax-focused accounting app for UK landlords, specialising in MTD compliance and property tax. Founded in 2020 and headquartered in UK, it primarily targets UK landlords who need MTD-compliant accounting specifically for rental income.
Hammock uses a monthly subscription per portfolio pricing model and offers a 14-day free trial.
Best for
Landlords who only need accounting and MTD compliance, and already have a separate system for property management, compliance tracking, and tenant communication.
ZenRent vs Hammock: Feature Comparison
Here is how ZenRent and Hammock compare across the features that matter most to UK landlords in 2026.
| Feature | ZenRent | Hammock |
|---|---|---|
| MTD for ITSA | Yes — HMRC-recognised | Yes |
| Open Banking | Yes — auto-import transactions | Yes |
| WhatsApp integration | Yes — tenant messaging | No |
| Compliance tracking | Yes — gas, EPC, EICR, HMO alerts | Limited |
| Free plan | Yes — Essential (free forever) | No |
| Free trial | 14 days (no card required) | 14 days |
| UK-focused | Yes — built for UK landlords | Yes |
Where ZenRent wins
ZenRent combines accounting/MTD with property management in one platform. If you use Hammock, you still need a separate tool for compliance tracking, tenant communication, and maintenance logging. ZenRent does it all — one login, one subscription, one source of truth.
Hammock strengths
- Purpose-built for UK landlord tax — understands Section 24, capital allowances, and property-specific deductions
- HMRC-recognised for MTD for ITSA
- Open Banking integration for automatic transaction import
- Clean, simple interface focused purely on financial tracking
- Understands mortgage interest relief restrictions (Section 24)
Hammock weaknesses
- Accounting-only — no property management features (compliance tracking, maintenance, tenant comms)
- No WhatsApp or tenant communication tools
- No compliance certificate tracking (gas, EPC, EICR, HMO)
- Less established — newer entrant with smaller user base
Tax Features: Hammock vs ZenRent
Hammock's tax handling is genuinely strong. It understands Section 24 mortgage interest relief restrictions, capital allowances, and the nuances of UK property taxation. If tax compliance is your only concern, Hammock is a solid choice.
ZenRent also handles MTD submissions, expense categorisation, and tax-ready reporting — but as part of a broader property management platform. The trade-off: Hammock may go slightly deeper on edge-case tax scenarios, while ZenRent gives you the full management picture alongside your tax compliance.
Pricing: ZenRent vs Hammock
Hammock pricing starts from around £8/month for a basic plan. ZenRent Standard (£9.99/month) includes both MTD-compliant accounting and full property management features. For the small price difference, ZenRent offers significantly more functionality.
ZenRent pricing
- Essential (free): Up to 1 property, basic income/expense tracking, compliance alerts
- Standard (£9.99/month): Up to 5 properties, MTD submissions, Open Banking, WhatsApp integration
- Professional (£29.99/month): Unlimited properties, advanced reporting, priority support
Our Verdict
Hammock is a solid choice for landlords who only need accounting and mtd compliance, and already have a separate system for property management, compliance tracking, and tenant communication.. ZenRent combines accounting/MTD with property management in one platform. If you use Hammock, you still need a separate tool for compliance tracking, tenant communication, and maintenance logging. ZenRent does it all — one login, one subscription, one source of truth. For UK landlords who need MTD compliance, compliance tracking, and a platform built specifically for the UK regulatory environment, ZenRent offers the more complete package. Try both — ZenRent's 14-day free trial requires no credit card, so you can compare side by side before committing.
Frequently Asked Questions
Quick answers to the most common questions about this topic.
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Disclaimer: This comparison is for informational purposes only and does not constitute legal or financial advice. Pricing and features are accurate as of the date shown and may change. Always verify directly with each provider and check the latest HMRC guidance at gov.uk before making decisions.