Cloch Housing Association

What Cloch Housing Association does

Cloch Housing Association is a registered Scottish charity and Registered Social Landlord (RSL) operating exclusively in the Inverclyde local authority area of Scotland. Founded in 1968 and headquartered at 19 Bogle Street, Greenock, the organization manages 1,441 residential properties, delivers social housing for rent, and provides factoring services to homeowners in the area. It is regulated by the Scottish Housing Regulator (registration HEP 91), is a registered Property Factor (PF000171), and is registered with the Financial Conduct Authority as a society (1893 RS) and with the ICO (Z1221458). The organization is governed by a Voluntary Board and operates through functional departments covering Leadership, Corporate, Community Support, Customer Support, Finance, Housing, IT & Communications, and Property & Assets, with a workforce in the 11–50 range.

Cloch's service offering combines core housing operations with broader community support programs. In addition to tenancy management, the organization runs a Community Support Team offering budgeting, benefits, fuel, and hoarding advice, an Energy Advice Hub, and supported initiatives covering financial fitness, domestic abuse response (Make A Stand), refugee support with the Refugee Council, starter packs, and trade apprenticeships. Digital channels include the My Cloch tenant portal, a mobile app, a WhatsApp channel, and social media presence. In June 2026, Cloch completed a major migration to the Rubixx housing management and accounts system, replacing the legacy platform. Technology is built to W3C HTML5/CSS standards with WCAG 2.0 AA accessibility targets, and the organization holds Cyber Essentials Plus certification (through October 2025) and Living Wage Foundation accreditation (2023).

The revenue model is dominated by social housing rents from the 1,441 residential properties, supplemented by factoring fees from homeowners, partial development grant funding for new builds, and grants from funders for wider role activities such as community support. As a regulated RSL, rents and factoring fees are set under Scottish Housing Regulator guidelines rather than market pricing. Customer acquisition flows through the Inverclyde Common Housing Register joint allocation system and direct applications. No revenue, ARR, or financial KPIs are publicly disclosed beyond operational performance reported in Annual Returns to the Charter.

Name

Cloch Housing Association

Legal name

Cloch Housing Association

Website

https://clochhousing.org.uk

Company type

Private

Founded year

1968

Operating status

Operating

Headcount range

11–50 employees

Short description

Cloch Housing Association is a registered Scottish charity and social landlord managing 1,441 residential properties and providing factoring services to homeowners in the Inverclyde area of Scotland. It also delivers community support, energy advice, and welfare programs to tenants and vulnerable residents.

Ownership category

akta.pro rank

Product category

Social Housing Services

NAICS

Residential Property Managers (531311), Lessors of Residential Buildings and Dwellings (53111), Community Housing Services (62422)

SIC

Operators Of Apartment Buildings (6513), Real Estate Agents & Managers (For Others) (6531), Services-To Dwellings & Other Buildings (7340)

akta.pro primary industry

Affordable & Subsidized Housing Property Management (LIHTC, Section 8) (BPAJAFAD)

akta.pro secondary industries

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC), Public & Affordable Housing Programs (Subsidies, Vouchers, Public Housing) (BPAIANAA)

Keywords

• Social housing services
• Affordable housing rental
• Property factoring
• Tenancy support services
• Community housing programs

Headquarters

HQ city

Greenock

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Social Housing Rent: Primary funding comes from rent collected from social housing tenants. The majority of operational funding is generated through rental income from 1,441 residential properties.
2. Factoring Services: Provides factoring services for homeowners in Inverclyde, managing common repairs and buildings insurance.
3. Development Grant Funding: Partial grant funding received for new build development costs when developing new sites.
4. Wider Role Activities Grants: Grants sourced from available funders for wider role activities including community support initiatives.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Cloch Housing Association is a registered Scottish charity and Registered Social Landlord providing affordable social housing for rent across 1,441 residential properties in Inverclyde, Scotland. The organisation also delivers property factoring services to homeowners (managing common repairs and buildings insurance), and runs community support programmes such as the Community Support Team and Energy Advice Hub. Tenant-facing digital channels include the My Cloch Portal and Cloch Housing mobile app, supported by a recent migration to the Rubixx housing management system.

Product overview

Cloch Housing Association is a social housing provider operating in Inverclyde, Scotland. Their primary offerings include social housing for rent, factoring services for homeowners, and community support programs. The organization's digital products include My Cloch Portal (an online tenant portal), the Cloch Housing App (mobile application), and community support services such as the Energy Advice Hub and Community Support Team. They recently completed a major migration to the Rubixx housing management and accounts system.

Differentiator

Problem solved

Functional benefit

Products and services

• My Cloch Tenant Portal Online customer portal for Cloch Housing Association tenants to manage their tenancy, report repairs, view newsletters and access account details.
• Cloch Housing App Mobile application that provides tenants with easy access to the My Cloch customer portal, contact details, and the latest newsletter.
• Community Support Team Free, independent, and confidential tenancy support service for Cloch tenants covering budgeting advice, benefits assistance, fuel/energy advice, hoarding support, and referrals to specialist agencies.
• Energy Advice Hub Advisory service that helps Cloch tenants with fuel/energy advice and assistance dealing with utilities to reduce energy costs and improve home efficiency.
• Social Housing Services Core social housing service managing tenancies and providing social housing for rent across 1,441 residential properties in Inverclyde, Scotland.
• Factoring Services Property factoring services for homeowners in Inverclyde, managing common repairs, buildings insurance arrangements, and settlement of invoices for shared building areas.

Quantifiable outcome

• 1,441 residential properties managed with zero tenants living in Below Tolerable Standard properties

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Scottish Housing RegulatorcoreOthersRegulatory oversight body for registered social landlords in Scotland. Cloch submits Annual Return to the Charter (ARC), Financial Returns, and Assurance Statements to the Regulator. Subject to regulatory scrutiny and engagement plans.
• Inverclyde Common Housing RegistercoreStrategic or Co-development PartnerJoint housing allocation partnership with other Inverclyde landlords allowing applicants to bid for properties across multiple providers through a common waiting list system.
• EVH (Employers in Housing)coreOthersUmbrella organization for housing associations. EVH negotiates terms and conditions and salaries with Unite Union on behalf of Cloch. Cloch references EVH salary scales for pay and grading structure.
• Active SchoolsminorStrategic or Co-development PartnerPartnership for Cloch Cup Football Tournament, bringing together primary school pupils from across Inverclyde. Third annual event held at Notre Dame High School.
• Chartered Institute of HousingminorOthersProfessional body membership. Cloch staff have their affiliation paid to Chartered Institute of Housing.
• Chartered Institute of Personnel and DevelopmentminorOthersProfessional body membership. Cloch staff have their affiliation paid to CIPD.
• Refugee CouncilminorStrategic or Co-development PartnerSupported initiative partnership providing support services to refugees in the Inverclyde area.
• Contact Scotland BSLminorChannel Partner/ Reseller/ DistributorBritish Sign Language translation service enabling deaf BSL users to contact Cloch directly through Contact Scotland BSL platform.
• QEF (Quality Efficiency Forum)minorOthersIndustry benchmarking group. Cloch is a member of QEF and Scottish Housing Network for performance benchmarking against other landlords.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Home Group: UK housing association providing affordable and social housing, supported living, and homelessness services. Similar offering mix (housing + community/social support) though with national rather than single-region exposure.
• Orbit Group: UK housing association operating affordable rental housing and independent living services. Similar service focus on social housing plus tenant support, though at significantly greater scale across England.
• Bield Housing: Scottish housing association specializing in housing and support services for older people. Comparable Scottish social landlord model; differs in target demographic focus (older adults) but aligned operating model and regulatory regime.
• Link Group: Scottish-focused housing association operating across central Scotland. Comparable as a Scotland-only social landlord providing housing, factoring, and community services, making it one of the most direct UK peers by geography and regulatory regime.
• Wheatley Group: Scotland's largest housing association group, providing social housing and factoring services across multiple Scottish local authorities. Closest comparable peer given shared Scottish regulatory regime, social landlord status, and similar service mix including community-based support.
• Sanctuary Housing: One of the UK's largest housing associations, providing social and supported housing plus property-related services. Comparable in service breadth (housing + community support), though materially larger in scale and geographically diversified.

Broad incumbents

• Places for People: Large UK-wide social housing provider operating more than 200,000 homes with integrated property management and community services. Comparable broad service offering though much larger and geographically diverse.
• L&Q: Major UK housing association and residential developer managing over 110,000 homes with community investment arm. Comparable service mix but materially larger scale and broader geographic reach.
• Peabody: Major UK-wide housing association operating over 104,000 homes with extensive community investment programs. Comparable mission and operating model, but significantly larger footprint and broader geographic scope than Cloch.

Others

• Civica: UK technology vendor serving housing associations with software including housing management platforms. Relevant as ecosystem participant supplying tooling to the social housing sector, and as a potential alternative/competitor to Cloch's newly adopted Rubixx system.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/clochha
• Facebookfacebook.com/ClochHA
• LinkedInlinkedin.com/company/cloch-housing-association-limited

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cloch Housing Association