What is a Guaranteed Rent Scheme and Is It Right for You?
November 2, 2024
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TL;DR
In supported housing HMOs, landlords do not deal with occupant damage directly. Instead, the housing provider takes responsibility under a commercial lease, which protects rental income and limits landlord exposure.
What’s in This Article:
- How supported housing HMOs are structured
- Who pays for damage in supported housing
- What the lease normally covers
- How guaranteed rent protects landlords
- FAQs about supported housing damage
Introduction
Damage is one of the biggest fears landlords have about supported housing. Many assume higher risk means higher repair costs. However, supported housing HMOs operate under commercial lease agreements. As a result, landlords do not carry day-to-day damage responsibility.
How supported housing HMOs are structured
Supported housing works differently from traditional AST letting.
Under supported housing:
- The landlord leases the property to a provider
- The provider places and manages occupants
- The provider pays fixed monthly rent
- The landlord has no direct occupant relationship
Because of this structure, responsibility flows through the commercial tenant.
Who pays for damage in supported housing
In supported housing HMOs, the housing provider manages and funds day-to-day repairs.
This normally includes:
- Accidental occupant damage
- Wear and tear repairs
- Internal maintenance
- Emergency repairs
Therefore, landlords avoid direct repair calls and cost disputes.
Why supported housing reduces landlord exposure
Supported housing providers rely on stable accommodation. For this reason, they maintain properties to protect placements and funding.
As explained in our guaranteed rent guide:
https://www.citywidehousing.co.uk/how-a-rent-guarantee-scheme-protects-your-rental-income/
What happens in severe damage cases
Severe structural damage rarely occurs. However, when it does, the lease defines responsibility.
Typically:
- Providers handle internal damage
- Structural matters depend on agreement terms
- Insurance policies cover major events
According to UK housing guidance, supported accommodation providers must maintain safe living standards.
https://www.gov.uk/government/statistics
How CHG Handles Compliance for You
At Citywide Housing Group, we remove the stress of compliance by:
- Applying for and maintaining your HMO licence
- Arranging all safety inspections and certificate renewals
- Carrying out repairs to meet council standards
- Keeping your property ready for inspection at all times
- Providing consistent monthly rent with no void periods
How Our Guaranteed Rent Scheme Works
Step 1: Get in Touch
Contact us today by phone or complete our online form to schedule a free, no-obligation property consultation.
Step 2: Property Assessment
We’ll visit your property to assess its condition, provide recommendations for any necessary improvements, and ensure it meets all required standards.
Step 3: Compliance & Handover
We manage the entire compliance process, carry out any necessary repairs, and arrange for an inventory check before officially handing over the property.
Step 4: Consistent Rent Begins
Once everything is in place, we take care of the property management, and you’ll start receiving consistent rent every month.
Why guaranteed rent matters when damage occurs
Guaranteed rent ensures landlords still receive income even if repairs take place.
Because rent remains fixed:
- Income continues during maintenance
- Occupancy changes do not affect payments
- Disputes do not delay rent
As a result, landlords avoid cash flow disruption.
How Citywide Housing Group Supports Landlords
At Citywide Housing Group, we specialise in helping landlords secure guaranteed income with long-term leases. Our approach ensures:
Full Property Management: From tenant management to maintenance, we take care of everything so you don’t have to.
Compliance and Legal Support: We ensure that all your properties meet legal requirements and comply with housing standards.
No Hidden Fees: We believe in transparency, with no surprise costs—what we agree on is what you get.
Local Expertise: Our team is familiar with the Bradford housing market, ensuring you get the best returns for your property.
FAQs: supported housing and property damage
Usually no. The housing provider manages and funds routine repairs.
The lease and insurance policies define responsibility.
No. Rent continues under the commercial agreement.
In practice, professional management often reduces unmanaged damage.
How to Get Started with Citywide Housing Group
If you’re ready to secure fixed, reliable income with no voids or arrears, it’s time to join the growing number of landlords in Bradford benefiting from guaranteed rent schemes.
Contact Citywide Housing Group today to schedule your free property assessment and discover how we can help you unlock the potential of your property.
For more information, visit Citywide Housing or call us at 0113 323 0678.
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