Latest insights, guides, and updates about HMO mortgages, property investment, and the UK housing market.
Compare limited company HMO mortgage options from 30+ specialist lenders. Rates, SPV setup, tax benefits, lender criteria, and how HMO-specific rules affect company lending.
How much stamp duty do you pay when buying an HMO? Current SDLT rates, the 5% additional property surcharge, corporate buyer rules, and how to calculate your HMO stamp duty bill.
Step-by-step guide to applying for an HMO mortgage — from document preparation to completion. What lenders need, typical timelines, common delays, and how to speed up approval.
Converting a house to a small HMO for up to 6 people is permitted development in England unless an Article 4 direction applies. Full guide for HMO investors.
Step-by-step guide to HMO planning permission applications. Covers costs from £293, 8-week timelines, Article 4 areas, and how planning affects HMO mortgages.
HMO valuation come in low? Your 5 options from renegotiating to switching lender. Step-by-step guide for HMO investors dealing with down valuations.
HMO valuation methods compared: bricks and mortar vs commercial. How the method affects your LTV, borrowing power, and which lenders use which approach.
Self-manage vs HMO management agency vs guaranteed rent — fees (10-15% + VAT), pros and cons, and how your management choice affects HMO mortgage options.
Who pays council tax on an HMO, how council tax banding works, exemptions for students, single person discount, and how to claim an HMO council tax rebate.
Fewer than 30 UK lenders offer HMO mortgages. Compare Kent Reliance, Aldermore, TMW and more — rates, max LTV, and which high street banks won’t lend.
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.
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