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Large HMO Mortgages

What is Sui Generis?

Definition: Planning classification for large HMOs with 7 or more occupants, requiring planning permission for change of use.

David Sampson
Updated

About Sui Generis

Sui Generis are a planning classification meaning 'unique' or 'in its own class'. large hmos (7+ unrelated people) are classified as sui generis and always require planning permission for changes of use. these properties have specific planning considerations and often face more restrictive policies. For HMO planning investors, understanding sui generis is essential for making informed decisions about property investment, financing, and portfolio management.

When applying for HMO planning mortgages, lenders assess how sui generis impacts your application. Understanding lender requirements can help you prepare stronger applications and access competitive financing options.

For HMO planning investors, professional guidance from specialist HMO mortgage brokers can help navigate the complexities of sui generis and ensure informed decisions. Regular reviews and staying informed about changes in regulations are essential.

Important: Rates shown are indicative and subject to status. Your home may be repossessed if you do not keep up repayments on your mortgage. Terms and conditions apply. For current rates and full details, please .