CHX
CHX is an AI-powered asset management platform that guarantees UK landlords a fixed monthly rental income for 2–5 years, regardless of occupancy or tenant payment status. The company underwrites rental income rights, absorbing void and default risk while landlords retain control over repairs and property decisions. Its Rental Intelligence engine analyzes live market data, rental demand, and tenant bank transactions to price properties precisely and minimize risk.
- Property Technology
- Financial Technology
- Artificial Intelligence
- Software Only
- Data & Analytics
Funding
Founders
Founder details are not available yet.
Product
Problem
UK landlords face significant financial instability due to the Renter Reform Bill, which shortens tenancies, removes Section 21 eviction rights, and caps upfront rent. This regulatory shift, combined with average void periods of 30-60 days and tenant default risks, costs landlords over £2 billion annually in lost income from empty properties.
Solution
CHX provides an AI-powered asset management platform that guarantees landlords and letting agents rental income from day one, eliminating voids, arrears, and defaults entirely. The platform uses proprietary AI algorithms to analyze thousands of data points, including local comparable listings and seasonal trends, to calculate precise rental valuations and underwrite tenant risk. CHX absorbs void risk itself, ensuring landlords receive their rent within 24 hours regardless of tenant payment status. The company purchases the rental income rights for a fixed 2–5 year term, while the landlord retains control over repairs and property decisions. This removes the need for landlords to monitor bank accounts or worry about tenant behavior, transforming rental properties into predictable income-generating assets.
Target Audience
Primary customers are UK residential landlords and letting agents who want predictable, guaranteed rental income without the financial risks of voids, tenant defaults, or regulatory changes.
Features
- AI-driven rental valuation engine analyzing over 100,000 live property listings, local comps, and seasonal trends
- Guaranteed rental income paid within 24 hours, with void risk fully absorbed by CHX
- Automated tenant underwriting that analyzes rent payment history, bank transactions, and employment risk to eliminate defaults and arrears
- Live market data integration for continuous property value and income optimization
- Landlord control dashboard for approving repairs with photos and access times from renters
- Zero tenant default rate achieved through predictive risk assessment models
- Interior design recommendations to increase rental demand and property presentation