How it works

From applicant to decision — intelligently

HomeHub sits on top of your existing workflow. It ingests the data you already collect, enriches it across six dimensions, and gives you a report you can actually hand to a landlord.

The process

Four steps from enquiry to report

HomeHub slots into your existing process — no re-training, no new workflows. You keep doing what you do. HomeHub makes it smarter.

1
Data ingestion
HomeHub connects directly to your CRM — Reapit, Rightmove, and others — and pulls in the applicant data you've already collected. For properties where applicants apply directly, a simple form captures their information. Either way, you're not re-keying anything.
Reapit integration Rightmove sync Direct application form No double data entry
2
Data enrichment
HomeHub runs each applicant through six intelligence dimensions — financial behaviour, rental history, behavioural signals, forward-looking risk, comparative benchmarking, and reference quality. Open Banking verification, NRLA database cross-referencing, employer and landlord reference scoring, and application fraud detection all happen automatically in the background.
Open Banking NRLA database Fraud detection Reference scoring 6 dimensions
3
Intelligence report generated
HomeHub produces a structured white label report — branded to your agency — covering the full applicant funnel, viewing intelligence, scored applicants with plain-English reasoning, a rent review with market comparables, and a recommended next steps section. Not a score. Not a traffic light. A document you can stand behind.
Your agency branding Scored with reasoning Rent review included Audit trail baked in
4
Agent shares with landlord
You send the report to your landlord. They see a professional, evidenced breakdown of who applied, how they compare, and why your recommendation is the right one. The landlord doesn't see HomeHub — they see a thorough, trusted letting agent doing the job properly. That's exactly what keeps them from self-managing.
White label output Real-time landlord visibility Defensible decisions Landlord retention
The intelligence engine

Six dimensions. One clear picture.

Standard referencing tells you if someone passes a credit check. HomeHub tells you whether they'll be a good tenant — and why.

01
Financial behaviour
Not just "do they earn enough" — but how do they actually manage money. Open Banking integration verifies real income against stated income, analyses spending patterns, assesses savings buffers, and stress-tests rent affordability at different income scenarios.
Example signal
Applicant states £4,200/mo income. Open Banking confirms £3,950 average over 6 months with consistent rent payment history — flagged for review with full breakdown.
02
Rental history
Cross-referenced against NRLA arrears databases and court judgements. Analyses previous tenancy length patterns, reasons for leaving, and scores the quality of landlord references — distinguishing genuine endorsements from perfunctory sign-offs.
Example signal
Three tenancies in four years, each ending within 10 months. No arrears on record, but mobility pattern flagged as potential early-exit risk for a 12-month+ let.
03
Behavioural signals
Captures how an applicant engages with the process — viewing punctuality, application completeness, response times, how many other properties they're simultaneously pursuing, and whether information is consistent across documents.
Example signal
Application submitted within 2 hours of viewing. Fully completed on first submission. Only one other active application. Employer details match across CV and form — high commitment signal.
04
Forward-looking risk
Rather than a snapshot, a trajectory. Assesses income stability by sector and contract type, life stage signals associated with early exit, and contextual risk factors — especially relevant under the Renters' Rights Act where eviction is significantly harder.
Example signal
Contract worker in creative sector, 6-month rolling contract. Income verified but renewal risk flagged. Recommended: request 2 months' deposit or guarantor alongside standard referencing.
05
Comparative benchmarking
How does this applicant compare against the average successful tenant for this property type in this area? What's the void risk profile if you reject the field and wait? Gives agents a data-backed answer to the landlord question: "are these the best applicants you could find?"
Example signal
Top applicant scores in the 91st percentile for 3-bed W2 lets. Field average is 74. Accepting below 70 increases estimated void risk by 22% based on comparable properties.
06
Reference quality
Goes beyond the standard employer email confirmation and landlord tick-box form. Scores reference quality based on specificity, consistency with other data, response timing, and linguistic signals — distinguishing high-confidence references from box-ticking exercises.
Example signal
Employer reference confirmed salary and tenure but response was templated and generic. Cross-referenced with LinkedIn and Open Banking — no discrepancies found, reference scored as medium-confidence.
The report

What's inside every HomeHub report

Six sections, one document. Structured so a landlord can read it in five minutes and understand exactly why you're recommending a particular tenant.

1
Property & ingestion summary
Property details, asking rent, total applicants received, source breakdown, and report date — all white labelled to your agency.
2
Applicant funnel
How many entered, how many completed full pre-reference, how many dropped off and why. Shows landlords the breadth of your process, not just the shortlist.
3
Viewing intelligence
Viewings scheduled vs attended, behavioural signals captured, competing properties each applicant is pursuing, and who progressed to full application.
4
Scored applicants with reasoning
Each shortlisted applicant scored across all six dimensions with a plain-English explanation of why — not just a number. Red flags explicitly called out.
5
Rent review & market comparables
Confirms the asking rent is market-justified with comparables drawn from your CRM's achieved rents. Section 13 ready documentation included.
6
Recommendation & next steps
Primary recommendation with supporting rationale, a fallback option, any conditions to apply, and compliance notes relevant to the Renters' Rights Act.
Acme Lettings — Tenant Report
1 — Property summary
Property14 Kensington Gdns, W2
Asking rent£2,800 pcm
Report date7 Apr 2026
2 — Applicant funnel
Enquiries
18
Applied
12
Pre-ref'd
6
Shortlisted
4
4 — Scored applicants
JS
J. Singh94Recommend
MT
M. Thompson81Strong
AK
A. Khan67Review
5 — Rent review
Proposed rent£2,800
Market range£2,650–£2,950
VerdictMarket justified
6 — Next steps
Proceed with J. Singh — full reference check
Request 6-week deposit given contract type
Issue Section 13 notice with rent comparables
For tenants

Pre-reference once. Apply anywhere.

Tenants who complete their HomeHub pre-reference profile can save it and share it with any property they apply for — inside or outside HomeHub. Good tenants move faster. Agents get better applicants.

  • Open Banking verified income — no more payslip chasing
  • Rental history and references pre-loaded and verified
  • Shareable profile link — one click to any agent or landlord
  • GDPR compliant — tenant controls their own data
Learn more for tenants
JS
Jamie Singh
Pre-reference profile
Verified
Annual income£52,400 — verified
Rental history3 tenancies, no arrears
Credit checkPass
Employer referenceConfirmed
ID verifiedPassport — verified
Previous landlordStrong reference
Profile shared with 3 properties this week. Accepted at 2 Pembridge Square, W11.
Early access

Join the waitlist

HomeHub is in private beta. Join the waitlist and be among the first letting agents to get access.

Early access open for letting agents and landlords