What is Planning Permission for HMOs?

HMO properties typically require planning permission under Class C4 (small HMOs) or Sui Generis (large HMOs) use classes. Properties with 6 or more tenants usually require Sui Generis planning permission, involving a full planning application rather than permitted development rights.

Properties without correct planning permission may not qualify for HMO mortgages, as lenders require evidence of lawful use. Planning conditions must be complied with, and local authority policies vary significantly between areas.

HMO investors should check planning status before purchasing, as obtaining retrospective permission can be challenging and costly. Planning consultants can help navigate applications and ensure compliance with local policies.