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
Paragon Bank lending criteria vs Social Home's pre-mortgage toolkit
| What matters | Social Home | Typical platforms |
|---|---|---|
| HMO experience | Portfolio tracker proves your track record with data | Typically requires prior landlord experience |
| Yield assessment | Live yield dashboard with city benchmarks | Room-by-room rental valuation |
| Compliance evidence | Auto-generated compliance packs with expiry alerts | Requires HMO licence proof |
| Ongoing monitoring | Real-time occupancy and cashflow tracking | Annual review of rental income |
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.
Internal links
Connect to our AI and compliance assets
Competitor research