Moat Homes Limited

What Moat Homes Limited does

Moat Homes Limited is a registered provider of social housing in England, founded circa 1965 and headquartered in Dartford, Kent. The organisation delivers affordable rental housing, shared ownership, leasehold management, supported living, retirement housing, and equity loan services to tenants, shared owners, leaseholders, and homeowners across the Southeast of England — specifically Kent, Essex, London, and Sussex. Service scope spans social housing management, repairs and maintenance, communal area maintenance, home safety compliance (asbestos, fire, gas, Legionella, damp and mould), home adaptations, sustainability retrofits, and customer-facing insurance partnerships with Protector, Marsh, and Royal Sun Alliance.

Operationally, Moat delivers services through a hybrid model combining in-house customer engagement with contracted specialist delivery. The MyMoat digital customer portal (authenticated via Auth0) provides self-service for repairs reporting, payments, and account management, supported by an AI-powered telephony system analysing voice, chat, and email interactions. Repairs are transitioning to a 10-year partnership with Mears Group from late summer 2026, following an interim £12 million contract from February 2025. Grounds maintenance and tree management are delivered through regional contractors (John O'Conner, Pinnacle, idverde, Southern Land, Chevron Green, Connick Tree Care), and communal cleaning through Cleanscapes. Customer engagement is institutionalised through 201 volunteer Customer Advocates, an independent Customer Scrutiny Panel, a quarterly Repairs Forum, and four community hubs in Kent operated via the Moat Foundation.

The revenue model is multi-stream and largely subscription-like: social housing rents governed by the Regulator of Social Housing Rent Standard (CPI + 1%, set at 4.8% for April 2026), shared ownership rent linked to RPI, variable and fixed service charges, leaseholder charges, and buildings insurance premiums billed through Protector. Sustainability and energy retrofit work is partially grant-funded, including over £6 million from the Social Housing Decarbonisation Fund targeting more than 2,000 homes to EPC Band C by 2030, aligned with a net zero organisation target by 2050. The pricing structure is regulated and non-discretionary for core rent, with customer segments (social housing tenants, shared owners, leaseholders, equity loan customers, residents in managed buildings) providing revenue diversification but no single dominant contract anchor.

Name

Moat Homes Limited

Legal name

Moat Homes Limited

Website

https://moat.co.uk

Company type

Private

Founded year

1965

Operating status

Operating

Headcount range

251–500 employees

Short description

Moat Homes Limited is a registered provider of social housing in Southeast England, delivering affordable rental, shared ownership, leasehold, and supported living housing to tenants, shared owners, and leaseholders across Kent, Essex, London, and Sussex.

Ownership category

akta.pro rank

Product category

Social Housing Services

NAICS

Residential Property Managers (531311), Lessors of Residential Buildings and Dwellings (53111)

SIC

Operators Of Apartment Buildings (6513), Lessors Of Real Property, Nec (6519)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

Keywords

• Social housing management
• Affordable rental homes
• Shared ownership services
• Housing repairs maintenance
• Leasehold management

Headquarters

HQ city

Kent

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

Revenue model

1. Social Housing Rents: Recurring rental income from tenants in social housing properties. Rent is calculated annually following government guidance based on Consumer Price Index (CPI) plus 1%, with increases applied from April each year.
2. Shared Ownership Properties: Revenue generated from partial home ownership arrangements where customers purchase shares in properties while paying rent on the remaining portion. Includes staircasing purchases where owners buy additional shares.
3. Service Charges: Charges levied to customers for communal maintenance services including grounds maintenance, cleaning, building insurance, and future repair funds. Calculated as variable, fixed, or actual service charges depending on lease type.
4. Leaseholder Charges: Fees from leaseholders for buildings insurance, management services, and lease extension administration. Ground rent collection for leasehold properties.
5. Buildings Insurance: Buildings insurance provided to customers where Moat is the freeholder, covering structure, external walls, roof, and communal areas against fire, storms, floods, leaks, and subsidence.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels9 records

Core offering

Moat Homes Limited is a registered provider of social housing delivering affordable rental homes, shared ownership, leasehold management, and equity loan services across Southeast England. The organisation manages tenancy administration, rent and service charge collection, repairs and maintenance (delivered through a 10-year partnership with Mears Group), communal maintenance, home safety inspections, home adaptations, and sustainability upgrades targeting EPC Band C by 2030 and net zero by 2050.

Product overview

Moat Homes Limited is a UK-based registered provider of social housing offering a unified housing management platform centered on its MyMoat customer portal. The core offering comprises social housing management and lettings, repairs and maintenance services (delivered through a 10-year partnership with Mears launching late summer 2026), and communal maintenance services. Supporting modules include home safety services (asbestos, fire, gas, Legionella, damp/mould), home adaptations, sustainability and energy efficiency improvements, rent and service charge management, managing agent oversight, and homeowner services (shared ownership, leasehold, equity loan). Customer engagement is facilitated through dedicated voice programmes including Customer Advocates, Customer Scrutiny Panel, and Repairs Forum. The service portfolio spans over 60 years of operation, serving customers across Kent, Essex, London, and Sussex.

Differentiator

Problem solved

Functional benefit

Brands

• MyMoat: Customer online portal for managing accounts, reporting repairs, making payments, and accessing services
• The Moat Offer
• Big Door Knock

Products and services

• Social Housing Management Affordable rental housing service for tenants at social rent levels, including tenancy administration, rent collection, allocations, mutual exchanges, and housing management across Kent, Essex, London, and Sussex.
• Shared Ownership Services Shared ownership home management including staircasing (purchasing additional shares), lease extensions, subletting permissions, home improvements approval, and resale administration for shared owners.
• Leaseholder Services Leasehold property management including lease extensions (up to 990 years), home sale administration via management packs, and Right to Manage guidance for long-lease property owners.
• Equity Loan Services Equity loan management including loan repayment (full redemption via sale or remortgage), property improvements registration, loan transfers, and re-mortgage consent (max 7.5% rate).
• Repairs and Maintenance Service Comprehensive repairs service covering renter homes, homeowner communal areas, and communal spaces, including emergency repairs (24-hour response), routine repairs, planned works, and home improvements delivered through partnership with Mears.
• Communal Maintenance Services Maintenance of shared building and estate areas including grounds maintenance, communal cleaning, tree management, and estate inspections delivered through contracted suppliers across Kent, Essex, London, and Sussex regions.
• Home Safety Services Safety management including asbestos safety, fire safety procedures, gas safety inspections, Legionella prevention, and damp and mould remediation, compliant with Building Safety Act requirements.
• Home Adaptations Accessibility modifications for customers with changing needs, including minor adaptations (under £1,000 such as grab rails, handrails, ramps) and major adaptations (over £1,000 such as stair lifts, wet rooms, ceiling hoists) with occupational therapist assessment.
• Sustainability and Energy Efficiency Programme Energy efficiency improvements including EPC upgrades to band C by 2030, net zero targets by 2050, installation of air source heat pumps, solar panels, loft and cavity wall insulation, and LED lighting under the £6 million SHDF government-funded programme.
• Buildings Insurance Buildings insurance provided to leaseholders and customers where Moat is the freeholder, covering structure, external walls, roof, and communal areas against fire, storms, floods, leaks, and subsidence with £200 excess for most claims.
• Contents Insurance Contents insurance offered in partnership with Royal Sun Alliance for tenants and shared owners, with no excess payable on claims, flexible weekly, fortnightly, monthly, or annual payment options, and coverage for home contents, garage, and shed.
• Managing Agent Oversight Coordination and monitoring of third-party managing agents handling communal areas for buildings where Moat is not the freeholder, with a 5% management fee applied for administration.
• MyMoat Customer Portal Online customer portal enabling tenants, shared owners, and leaseholders to manage their housing account, report repairs, view appointment schedules, access service charge information, make payments, and update personal details.

Quantifiable outcome

• 4.8% rent increase from April 2026 (CPI 3.8% + 1%)
• +6 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration24 records

AI capability5 records

Feature3 records

Partnerships

18 partnerships are on record, tiered core and minor.

• Mears GroupcoreStrategic or Co-development Partner · 1 August 2026Awarded 10-year partnership contract for long-term repairs service commencing late summer 2026. Mears already operates as interim repairs provider since February 2025. Partnership focuses on delivering more reliable, high-quality repairs service with improved performance standards.
• Mears GroupcoreImplementation/ SI/ Consulting Partner · 1 February 2025Interim repairs partner since February 2025 with £12 million contract value. Delivering day-to-day repairs and maintenance services to Moat properties.
• CCR Property ServicesminorImplementation/ SI/ Consulting PartnerSpecialist contractor providing drainage repair services as part of the expanded contractor network for complex repairs.
• Bell GroupminorImplementation/ SI/ Consulting PartnerSpecialist contractor engaged for complex and long-standing repair works.
• HoughtonminorImplementation/ SI/ Consulting PartnerSpecialist contractor engaged for complex repair requirements.
• Armour HartminorImplementation/ SI/ Consulting PartnerSpecialist contractor providing additional support for complex repair works.
• SureserveminorImplementation/ SI/ Consulting PartnerSpecialist heating contractor providing repair services for heating systems.
• John O'ConnercoreImplementation/ SI/ Consulting PartnerGrounds maintenance contractor for customers in Kent. Visits estates every two weeks (25 times per year) for grass cutting, hedge trimming, weeding, and general grounds maintenance.
• PinnaclecoreImplementation/ SI/ Consulting PartnerGrounds maintenance contractor for customers in Essex. Provides regular estate maintenance services.
• idverdecoreImplementation/ SI/ Consulting PartnerGrounds maintenance contractor for customers in London. Due to replace current contractor from 1 August 2026.
• Southern Land ServicescoreImplementation/ SI/ Consulting PartnerGrounds maintenance contractor for customers in Sussex and London. Also provides tree management services for London and Sussex areas.
• Chevron GreenminorImplementation/ SI/ Consulting PartnerTree management specialist for Kent properties, conducting surveys, monitoring, and planned maintenance.
• Connick Tree CareminorImplementation/ SI/ Consulting PartnerTree management specialist for Essex properties.
• CleanscapescoreImplementation/ SI/ Consulting PartnerContractor providing internal communal area cleaning services for Moat properties.
• Protector InsurancecoreImplementation/ SI/ Consulting PartnerBuildings insurance provider for Moat properties. Policy number 2937976. Claims handled through claims portal or direct contact.
• MarshcoreImplementation/ SI/ Consulting PartnerInsurance broker for Moat's buildings insurance programme. Provides transparency on premiums and commission as per FCA requirements.
• Royal Sun Alliance InsuranceminorChannel Partner/ Reseller/ DistributorPartnership for tenants' and shared owners' contents insurance. Features no excess, flexible payment options, and coverage for home contents, garage, and shed.
• TPAS (Tenant Engagement Advisory Service)minorStrategic or Co-development PartnerTenant engagement experts who partnered with Moat to develop the scrutiny process, introducing different participation methods including bootcamp, task and finish groups, and traditional scrutiny.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Southern Housing: Large UK registered provider of social housing offering general needs, shared ownership, and supported living across Southern England including London and the South East. Directly comparable to Moat in geography, tenant segments, and product mix, and operates a similar MyAccount-style digital portal.
• Orbit Group: Mid-sized UK housing association providing affordable rent, shared ownership, and retirement living, with stock concentrated in the Midlands and South. Comparable scale, mission, and customer-segment profile to Moat.
• Hyde Group: Major UK housing association providing social rent, shared ownership, and market rent, with significant stock across London and the South East. Direct comparable to Moat in geography and product mix.
• Sage Housing: UK shared ownership specialist provider focused exclusively on affordable home ownership. Comparable to the shared-ownership and leasehold strands of Moat's offering, though narrower in scope.

Broad incumbents

• Peabody: One of the UK's largest housing associations with extensive London and South East stock, offering social rent, shared ownership, and key worker housing. Larger scale but overlapping customer and product profile with Moat.
• Clarion Housing Group: Largest UK housing association operating over 125,000 homes across the country. A broad incumbent covering the same social housing, shared ownership, and supported-living product set as Moat, but at much greater scale.
• L&Q Group: Major UK housing association and property developer with substantial London and South East stock, providing social rent, shared ownership, and private sale. Comparable customer base and product set but materially larger.
• Places for People: Large UK housing provider and property management group delivering social rent, affordable rent, shared ownership, and private rent nationwide. Broad incumbent offering the same core services plus leisure and development.

Regional players

• Network Homes: London and Home Counties-focused housing association providing social rent, shared ownership, and leasehold services. Overlapping geography and customer base with Moat's London and Essex operations.
• A2Dominion Housing Group: UK housing association with significant stock across London and the South East, offering social housing, shared ownership, student accommodation, and market rent. Comparable regional footprint and tenant profile to Moat.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/MoatHomes
• Facebookfacebook.com/MoatHomes
• Instagraminstagram.com/moathomes/?hl=en
• Xx.com/moathomes

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 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 Moat Homes Limited