HMO Mortgage Blog

HMO Conversion - HMO mortgage guide illustration

HMO Conversion: Complete Guide to Converting a Property to an HMO

How to convert a residential property into an HMO — planning permission, building regulations, costs, design considerations, licensing, and financing the project.

HMO Insurance: What Cover Do You Need as an HMO Landlord?

A guide to HMO insurance requirements — buildings, contents, liability, rent guarantee, and what standard landlord insurance does not cover for HMOs.

HMO Room Sizes: Minimum Standards & How to Measure - HMO mortgage guide illustration

HMO Room Sizes: Minimum Standards & How to Measure (2026)

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.

HMO Fire Safety Requirements: Complete Landlord Guide - HMO mortgage guide illustration

HMO Fire Safety Requirements: Complete Landlord Guide (2026)

Every fire safety requirement for HMO landlords — smoke alarms, fire doors, escape routes, fire risk assessments, emergency lighting, and compliance costs.

HMO Rules & Regulations: What Every Landlord Must Know - HMO mortgage guide illustration

HMO Rules & Regulations: What Every Landlord Must Know (2026)

A complete overview of HMO rules and regulations in England — licensing, fire safety, room sizes, management obligations, penalties, and upcoming changes.

Types of HMO Licence Explained: Mandatory, Additional & Selective

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.

HMO Licensing Requirements: Property Standards You Must Meet

The full list of property standards required for an HMO licence — room sizes, fire safety, kitchen and bathroom facilities, and management obligations.

HMO Licence Cost: How Much Does an HMO Licence Cost in 2026?

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.

HMO Licence - HMO mortgage guide illustration

HMO Licence: Complete Guide to UK HMO Licensing (2026)

Everything landlords need to know about HMO licensing in the UK — mandatory, additional and selective schemes, costs, application process and penalties.

HMO Remortgage Process: Step-by-Step Guide for Landlords

A practical step-by-step guide to remortgaging an HMO, from checking your current deal and gathering documents to completion — and how to avoid common delays.

HMO Remortgage Rates 2026: What to Expect & How to Get the Best Deal

Current HMO remortgage rate ranges, how stress tests work, what affects your rate, and how to secure the most competitive deal in 2026.