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HMO Mortgage Blog

Latest insights, guides, and updates about HMO mortgages, property investment, and the UK housing market.

All Articles(233)HMO Mortgages(70)HMO Remortgages(9)HMO Development Finance(7)HMO Bridging Finance(11)Limited Company HMO Mortgages(6)Commercial HMO Mortgages(10)

233 articles found

HMO Mortgages

HMO Mortgage Lender Criteria Compared: What Each Lender Wants

Side-by-side comparison of HMO mortgage lender criteria in 2026. Covers max rooms, LTV limits, experience requirements, stress tests, and property restrictions across UK specialist and high street lenders.

HMO Mortgages

1 minDavid Sampson16 Mar 2026

HMO Property

Ultimate Guide to HMO Property (2026)

The definitive guide to HMO property in the UK. Covers everything from what an HMO is, licensing, planning permission, fire safety, room sizes, management, investment returns, financing, tax, insurance and compliance.

HMO Property

1 minDavid Sampson16 Mar 2026

Limited Company HMO Mortgages

Limited Company HMO Mortgage: Complete Guide (2026)

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.

Limited Company HMO Mortgages

1 minDavid Sampson14 Mar 2026

HMO Stamp Duty: Rates, Surcharges & What HMO Investors Pay - HMO mortgage guide illustration

HMO Investment

HMO Stamp Duty: Rates, Surcharges & What HMO Investors Pay (2026)

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.

HMO Investment

1 minDavid Sampson14 Mar 2026

HMO Mortgage Application Process: Step-by-Step Guide - HMO property investment and mortgage finance illustration

HMO Mortgages

HMO Mortgage Application Process: Step-by-Step Guide (2026)

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.

HMO Mortgages

1 minDavid Sampson14 Mar 2026

HMO Planning

Permitted Development Rights for HMOs: What You Can Do Without Planning

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.

HMO Planning

1 minDavid Sampson9 Mar 2026

HMO Planning

HMO Planning Permission: Step-by-Step Application Guide

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 Planning

1 minDavid Sampson9 Mar 2026

Valuations

HMO Down Valuations: What to Do When the Survey Comes in Low

HMO valuation come in low? Your 5 options from renegotiating to switching lender. Step-by-step guide for HMO investors dealing with down valuations.

Valuations

1 minDavid Sampson9 Mar 2026

Valuations

HMO Valuation Methods: Bricks & Mortar vs Commercial Valuation

HMO valuation methods compared: bricks and mortar vs commercial. How the method affects your LTV, borrowing power, and which lenders use which approach.

Valuations

1 minDavid Sampson9 Mar 2026

HMO Property

HMO Management: Self-Manage vs Using an HMO Management Agency

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.

HMO Property

1 minDavid Sampson24 Feb 2026

HMO Council Tax: Banding, Exemptions & Who Pays - HMO mortgage guide illustration

HMO Investment

HMO Council Tax: Banding, Exemptions & Who Pays (2026)

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.

HMO Investment

1 minDavid Sampson24 Feb 2026

HMO Mortgages

HMO Mortgage Lenders: Which Banks & Lenders Offer HMO Mortgages in 2026?

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.

HMO Mortgages

1 minDavid Sampson24 Feb 2026

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