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
Shawbrook Bank lending criteria vs Social Home's pre-mortgage toolkit
| What matters | Social Home | Typical platforms |
|---|---|---|
| Property types | Manage any property type from one dashboard | HMO, MUFB, and mixed-use considered |
| Income verification | Export rental income reports with occupancy history | Requires evidence of achievable rents |
| Compliance | Licence register with 90/60/30-day renewal alerts | Mandatory and additional licensing checks |
| Portfolio stress test | Portfolio-wide P&L and risk scoring | Assesses whole portfolio exposure |
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