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HMO / co-living operations

LetCompliance vs COHO

COHO is built specifically for HMO and co-living operators: room-by-room occupancy, housemate fit and shared bill allocation. LetCompliance runs the whole let across the UK PRS, single lets, flats and HMOs alike, with room-level HMO rent and arrears plus the lettings funnel, compliance, notices and tax. For HMO-only operators, COHO may complement LetCompliance; for a mixed portfolio, LetCompliance alone is usually enough.

The bottom line

+29capabilities COHO
doesn't have

LetCompliance runs the whole let in one login — lettings, rent & arrears, e-sign, compliance, Section 8 / 13 notices and SA105 tax.

COHO still leads on its specialism — the honest breakdown is below.

Feature by feature

LetCompliance adds 29 things COHO lacks
Feature
LetCompliance
COHO
Advertise + take applications + book viewings
HMO-focused
Waiting list / register-interest capture
Holding deposits (Tenant Fees Act 2019)
Tenant referencing (regulated UK credit check)
Partial
E-signed tenancy agreements
Partial
Move-in pack — statutory documents assembled
Rent tracking + automatic arrears chasing
Rent tracking
Rent collection (Bacs Direct Debit)

We collect rent by Bacs Direct Debit via Stripe Connect, paid into your own account. We do not add Open Banking bank-feed reconciliation.

Partial
Tenant portal
Landlord / owner portal
Maintenance work orders + AI repair triage
Tasks
Professional photography, inventory & inspections
Accompanied viewings & contractor sourcing
Tenant Risk Report + arrears-recovery service
Gas Safety / EICR / EPC tracking + reminders
Partial
AI expiry-date detection on uploaded certificates
0-100 compliance score per property
SMS reminders
Right to Rent checks
Deposit protection deadline tracking
HMO room-level management
Pet request 28-day tracker (RRA 2025)
Section 8 notice builder (Schedule 2 grounds)
Section 13 rent-increase notice builder
Awaab’s Law damp-and-mould SLA engine
Renters Rights Act 2025 toolkit
Partial
PRS Database readiness tracker

Live today: per-property register-readiness checklist + status, ref and date. HMO-aware. Ready before the late-2026 rollout.

Not announced
SA105-shaped Tax Pack
Section 24 personal-vs-Ltd calculator
MTD ITSA quarterly summary on HMRC dates
Capital gains tax calculator
Mileage log
Receipt / invoice scanning
Xero integration
Client accounting: statements + CMP reconciliation
Property valuation tracker (HM Land Registry HPI)
Insurance renewal tracker
Planned maintenance scheduler
Property key facts + key-date tracking
Multi-branch agency workspaces
Time to go live
Same-day self-serve
Pricing starts at (2026)
£14.99/mo (free for 1 property)
See coho.life
Room-level occupancy board
Room-level
Best-in-class
Housemate matching / fit
Shared bill allocation across housemates
Inclusive-rent reconciliation
Per-room rent
HMO fire-safety + room-safety tracking
Partial

Choose LetCompliance when

  • You want to run the whole let — lettings, per-room rent, compliance, notices and tax — in one tool across HMOs and single lets alike.
  • Your portfolio mixes HMOs with single lets and flats, so an HMO-only tool is not enough on its own.

Choose COHO when

  • You operate co-living or HMO-only buildings and need room-by-room ops.
  • Housemate matching, bills and shared-space management are material to your model.

FAQs

Does LetCompliance support HMOs?

Yes. We track multi-tenancy per address, room labels and per-tenant rent, and all core compliance items apply at address level.

Should I use COHO if I only have HMOs?

If room-level ops and bill splitting are core to your model, COHO is stronger on those. But LetCompliance runs the whole let — lettings, per-room rent and arrears, compliance, Section 8 / 13 notices and SA105 tax — across HMOs and single lets alike, so most operators do not need a second tool.

Is LetCompliance really an all-in-one platform, or mainly a compliance tool?

It runs the whole let, not just compliance. In one login you advertise, take applications and viewings, reference tenants, e-sign the tenancy, collect rent by Direct Debit and chase arrears, track a 0-100 compliance score, draft Section 8 and Section 13 notices, manage HMO rooms, book done-for-you property services and prepare your SA105 tax. The compliance score is one feature among many, not the whole product.

Which should a UK landlord choose — LetCompliance or COHO?

The table above compares them feature by feature. For most UK landlords and small-to-mid agencies who want the whole tenancy in one place, LetCompliance covers more of the let; COHO is the better pick for the specific areas it leads on, which are called out honestly above. LetCompliance is free for your first property, then from £14.99/mo.

Does LetCompliance handle Making Tax Digital and SA105 tax as well as COHO?

LetCompliance ships an SA105-shaped Tax Pack, a Section 24 personal-vs-limited-company calculator, MTD-dated quarterly summaries, a capital-gains calculator and a mileage log — the landlord tax layer most tools skip. It is not HMRC-recognised for the direct press-submit step, so above the £50,000 MTD threshold you pair it with a recognised filer or hand the pack to your accountant.

Are these COHO comparisons independent and kept up to date?

They are written by the LetCompliance team, and we say so plainly — but each one names where COHO is the better choice and the two things LetCompliance does not do (Open Banking bank-feed reconciliation and HMRC direct-submit filing). Pricing and feature rows are re-verified every quarter.

14-day free trial, no card needed.

See how LetCompliance handles your portfolio before committing.

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