HMO deal profitability check
Before applying for any mortgage, run your numbers through our free HMO Deal Calculator to verify cashflow, yield, and break-even occupancy.
Compliance tracking from day one
Automated HMO licence tracking, fire safety inspections, gas and electrical certificate reminders — so your lender and council are always satisfied.
Portfolio yield monitoring
Track gross and net yield across every property in real-time. Spot underperformers before they drain cashflow and jeopardise mortgage covenants.
Void period elimination
AI-led tenant matching, automated listings, and RSL guaranteed-rent partnerships keep occupancy high and lenders reassured.
Comparison
Best HMO Mortgage Lenders UK lending criteria vs Social Home's pre-mortgage toolkit
| What matters | Social Home | Typical platforms |
|---|---|---|
| Paragon Bank | Track portfolio performance across all lenders | Portfolio-friendly, deep HMO experience |
| Shawbrook Bank | Manage complex property types from one platform | Flexible criteria for complex multi-lets |
| Precise Mortgages | Prove experience with historical performance data | Tiered rates for experienced landlords |
| Kent Reliance | Unlimited property tracking and analytics | No portfolio size limits, strong HMO appetite |
| Aldermore Bank | Generate broker-ready compliance packs | Multi-let specialist, broker-only access |
| Together Money | BRR calculator for purchase-refurb-refinance | Bridging + BTL for refurb projects |
| Foundation Home Loans | One-click evidence exports for applications | Clear criteria, growing HMO book |
| Fleet Mortgages | Portfolio-wide P&L and occupancy dashboards | Built for portfolio landlords (4+ properties) |
| Landbay | Digital compliance vault with instant exports | Digital-first, fast decisions |
Frequently asked questions
Practical answers for procurement, compliance, and delivery teams.
Do I need a specialist mortgage for an HMO?
Yes. Most high-street lenders won't finance properties with 5+ bedrooms or mandatory HMO licensing. Specialist lenders assess room-by-room rental income and require evidence of compliance — which Social Home automates.
How does Social Home help me get mortgage-ready?
Our platform generates compliance evidence packs, yield reports, and occupancy forecasts that lenders require during underwriting. Many brokers accept Social Home exports as supporting documentation.
What is guaranteed rent through an RSL?
Registered Social Landlords lease your property at a fixed monthly rent regardless of occupancy. Social Home connects landlords with vetted RSLs and manages the onboarding, compliance, and payments.
Which lender is best for first-time HMO landlords?
Precise Mortgages and Foundation Home Loans both have products for less experienced landlords. Use our HMO Deal Calculator first to verify your numbers — a strong application with compliance evidence makes any lender more likely to approve.
Can I use Social Home reports in my mortgage application?
Yes. Many brokers accept Social Home's compliance evidence packs, yield reports, and occupancy data as supporting documentation. Our exports are designed to match what underwriters need to see.
Internal links
Connect to our AI and compliance assets
Competitor research