Latest insights, guides, and updates about HMO mortgages, property investment, and the UK housing market.
A practical due diligence checklist for buying an HMO — licensing, planning, room sizes, fire safety, valuations, EPC, and mortgage readiness checks.
A clear explanation of every HMO property type — C4, Sui Generis, Section 257, purpose-built, and bedsits — plus how each type affects licensing, planning, and mortgages.
How Article 4 Directions affect HMO conversions — which areas have them, what they restrict, how to check, and how to get planning permission in Article 4 areas.
How to convert a residential property into an HMO — planning permission, building regulations, costs, design considerations, licensing, and financing the project.
A guide to HMO insurance requirements — buildings, contents, liability, rent guarantee, and what standard landlord insurance does not cover for HMOs.
Statutory minimum room sizes for HMOs in England, how rooms are measured, what counts towards floor area, and what to do if a room is too small.
Every fire safety requirement for HMO landlords — smoke alarms, fire doors, escape routes, fire risk assessments, emergency lighting, and compliance costs.
A complete overview of HMO rules and regulations in England — licensing, fire safety, room sizes, management obligations, penalties, and upcoming changes.
A clear explanation of the three types of HMO licence — mandatory, additional and selective — when each applies, key differences, and how to check which you need.
The full list of property standards required for an HMO licence — room sizes, fire safety, kitchen and bathroom facilities, and management obligations.
A breakdown of HMO licence fees across UK councils — mandatory, additional and selective licensing costs, what affects the price, and how to reduce your fees.
Everything landlords need to know about HMO licensing in the UK — mandatory, additional and selective schemes, costs, application process and penalties.