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Financial Modelling Tool for Social Housing Providers

Managing social housing requires careful planning to balance affordability, compliance, and sustainability. With ever-changing models and needs, having a clear financial picture is essential. Whether you’re planning new developments, assessing the impact of government funding changes, or preparing for maintenance cycles, Brixx makes it easy to manage your organisation’s finances effectively.

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Model your social housing business in Brixx - see how quickly your finances can make sense!

We are working on creating this template in Brixx. Although it isn’t available just yet, you can follow the guidance below to help get started. If you need any further assistance, don’t hesitate to get in touch – we’re here to help!

Project Setup

Project name: Social Housing Provider
Time period: Monthly (ideal for tracking rental income, grants, and property costs)

financial modelling tool for social housing providers

Income Components

Component: Rental Income
- Sub-components:
  - Affordable Rent – 100 units × £450/month = £45,000
  - Social Rent – 50 units × £350/month = £17,500
  - Supported Housing Rent (specialist properties) – 10 units × £500/month = £5,000

Component: Additional Income
- Sub-components:
  - Service Charges to Tenants – £50/unit/month × 120 units = £6,000
  - Parking Space Rental – £100/month × 20 spaces = £2,000
  - Laundry Facilities – £500/month

Component: Government Grants & Subsidies
- Sub-components:
  - Maintenance Grant – £2,000/month
  - Development Grant (new build funding) – £30,000/year = £2,500/month

Expenditure Components

Component: Operational Costs
- Sub-components:
  - Property Maintenance & Repairs – £200/month per unit = £24,000
  - Utilities (where included in rent) – £3,000/month
  - Insurance (property, liability) – £12,000/year = £1,000/month
  - Property Management Fees – £3,500/month

Component: Administrative Costs
- Sub-components:
  - Staffing Costs (admin + housing officers) – £25,000/month
  - Legal & Accounting Fees – £1,500/month
  - Marketing & Community Engagement – £500/month
  - Software & Tools (property management, Brixx) – £300/month

Component: Financing & Taxes
- Sub-components:
  - Loan Repayments (principal + interest) – £20,000/month
  - Corporation Tax/Income Tax on Profits – variable (modelled annually)

social housing expenditure component example

Asset Components

Component: Fixed Assets
- Sub-components:
  - Social Housing Units (150 units, average value £120,000 each = £18,000,000, appreciation 2% annually)
  - Office Building – £500,000 (depreciated over 20 years)
  - Furniture & Fixtures – £150,000 (depreciated over 5 years)

Component: Current Assets
- Sub-components:
  - Cash Reserves – £200,000
  - Accounts Receivable (rent arrears) – £30,000
  - Tenant Deposits Held – £75,000 (may be modelled as liability)

Funding Components

Component: Long-Term Loans
- Sub-components:
  - Housing Loan Facility – £10,000,000 at 3% interest, 25-year term
  - Development Loan for New Properties – £2,000,000 at 4% interest, 20-year term

Component: Government & Local Authority Support
- Sub-components:
  - Grant Funding for Repairs – £100,000/year (allocated monthly)
  - Local Authority Capital Support – £500,000 one-off injection

Component: Equity/Reserves
- Sub-components:
  - Initial Reserves/Capital Fund – £1,000,000

social housing funding component example

Scenario Planning in Brixx

Vacancy Rate Scenarios
- Model 2%, 5%, and 10% vacancy rates to assess impact on income.

Rent Policy Changes
- Test effect of rent caps or increases aligned with inflation.

Maintenance Surges
- Add unplanned major repairs (roofing, heating systems).

Grant Withdrawal
- Model scenarios where government support is reduced.

Expansion
- Add 20 new units in Year 3, funded by development loans.

social housing scenario component example

Dashboard & Reporting

Cash Flow Report
- Shows inflows from rent and grants vs. large maintenance and loan repayments.

Balance Sheet
- Tracks housing stock as appreciating fixed assets and decreasing loan balances.

Profit & Loss Statement
- Breaks down rental income, subsidies, and net surplus after operations.

Custom KPIs
- Rent Collection Rate (%)
- Operating Margin per Unit
- Loan-to-Value Ratio (LTV)
- Average Maintenance Cost per Unit

Start forecasting today in Brixx

social housing dashboard component example

financial modelling tool for social housing

Who can use this Brixx template?

Social housing associations
Non-profit housing providers
Community housing organisations

Brixx is a great tool for:

Finance teams managing budgets, grants, and long-term housing projects
Housing managers balancing tenant affordability with operational costs
Organisations planning new developments, refurbishments, or acquisitions

What are the benefits to social housing providers?

Tailored for the housing sector, capturing the unique needs of affordable housing models
Model rental income, maintenance schedules, government funding, and tenant support services
Assess the financial sustainability of new developments before committing resources
Quickly test the impact of funding changes, rent adjustments, or new community initiatives
Gain clarity with visual forecasts and reports to support board meetings and funding applications

Strategic forecasting in Brixx

Plan the long-term financial impact of new housing developments or refurbishments
Demonstrate viability and sustainability to secure government grants or external funding
Forecast tenant rent contributions alongside maintenance and staffing costs
Model the effects of changing legislation, occupancy rates, or economic conditions
Anticipate financial requirements for planned growth, compliance, and tenant services

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A financial forecasting template that is specifically structured for Yamaha dealerships.

"The improved clarity and insights regularly highlight the businesses’ path toward sustained growth. We see it reflected in meetings all the time - clients are more engaged in their financial strategy and better prepared for the road ahead."

Wilson Partners

Build a stronger financial future for your housing organisation with Brixx

Financial modelling software is vital for social housing providers, helping you plan responsibly, allocate resources, and ensure long-term sustainability. From forecasting rental income to budgeting for maintenance and compliance, Brixx provides a complete view of your housing portfolio’s financial health.

With the ability to model multiple scenarios, anticipate risks, and demonstrate financial responsibility, Brixx empowers social housing organisations to make informed, strategic decisions. Backed by over 20 years of business modelling expertise, Brixx is a trusted partner in navigating the complexities of housing finance.

Start using Brixx today and take control of the future of your social housing projects.

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