The Portfolio section provides a comprehensive view of the user's earnings and the performance of their business investments. When a business involves income sharing, the Portfolio automatically displays how returns and profits are distributed among all participating individuals. This ensures transparency, accuracy, and easy tracking for shared or co-owned ventures.

Portfolio Capabilities

With the Portfolio section, you can:

  • Track combined monthly performance
  • See exactly how much everyone earned
  • Understand ownership ratios of assets
  • Forecast individual earnings for the rest of the month
  • Access transparent shared-investment records

Joint Property Ownership & Portfolio Management in RentalBux

If you own rental properties with partners, family members, or co-investors, managing finances can get complicated fast. Who gets what share of the rental income? How do you split expenses fairly? And crucially, how do you each submit separate MTD returns to HMRC when you're managing one property together?

RentalBux solves this with intelligent portfolio management that splits rental income and expenses according to ownership shares, while generating separate, individualised MTD submissions for each co-owner—all from a single property record.

Portfolio ownership shares visualization

What is Joint Property Ownership in RentalBux?

Joint property ownership (also called co-ownership or profit-sharing) is when two or more people own a rental property together and share the income and expenses based on their ownership percentage.

Common Joint Ownership Scenarios

Family Partnerships

  • Husband and wife jointly owning buy-to-let properties
  • Parents and adult children co-investing in rental properties
  • Siblings inheriting and managing family properties together

Business Partners

  • Friends or colleagues building a property portfolio together
  • Professional property investors with equity partners
  • Limited company directors with different shareholdings

Investment Groups

  • Multiple investors pooling resources for property purchases
  • Syndicate structures with varying equity stakes
  • Family trusts with multiple beneficiaries

Whatever your ownership structure, RentalBux handles the complexity automatically.

Why Separate MTD Submissions Matter

The HMRC Requirement

Under Making Tax Digital, each individual property owner must submit their own MTD returns based on their personal share of rental income and expenses. This means:

  • If you and a partner own a property 50/50, you both submit separate quarterly updates to HMRC
  • Each co-owner reports only their share of income and expenses
  • Your MTD submissions must accurately reflect your ownership percentage
  • Failure to split correctly can lead to incorrect tax calculations and HMRC penalties