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HMO Mortgages

Professional HMO

Definition

HMO properties targeted at working professionals rather than students, typically offering higher-quality accommodation, longer tenancies (12+ months), and higher rents per room. Often located in business districts or commuter areas with good transport links.

Related Terms

Student HMOExecutive HMOHMO MortgageInterest Coverage Ratio (ICR)HMO ValuationDebt Service Coverage Ratio (DSCR)Stress TestingPRA RulesNet Rental YieldVoid Periods

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