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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 Property

Buying an HMO Property: What to Check Before You Purchase

A practical due diligence checklist for buying an HMO — licensing, planning, room sizes, fire safety, valuations, EPC, and mortgage readiness checks.

HMO Property

1 minDavid Sampson24 Feb 2026

HMO Property

Types of HMO Property: C4, Sui Generis, Section 257 & More Explained

A clear explanation of every HMO property type — C4, Sui Generis, Section 257, purpose-built, and bedsits — plus how each type affects licensing, planning, and mortgages.

HMO Property

1 minDavid Sampson24 Feb 2026

HMO Planning

Article 4 Directions & HMOs: What They Mean for Property Investors

How Article 4 Directions affect HMO conversions — which areas have them, what they restrict, how to check, and how to get planning permission in Article 4 areas.

HMO Planning

1 minDavid Sampson24 Feb 2026

HMO Conversion - HMO mortgage guide illustration

HMO Property

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 Property

1 minDavid Sampson24 Feb 2026

HMO Property

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 Property

1 minDavid Sampson24 Feb 2026

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

HMO Licensing

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 Licensing

1 minDavid Sampson24 Feb 2026

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

HMO Licensing

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 Licensing

1 minDavid Sampson24 Feb 2026

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

HMO Licensing

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.

HMO Licensing

1 minDavid Sampson24 Feb 2026

HMO Licensing

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

1 minDavid Sampson24 Feb 2026

HMO Licensing

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 Licensing

1 minDavid Sampson24 Feb 2026

HMO Licensing

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 Licensing

1 minDavid Sampson24 Feb 2026

HMO Licence - HMO mortgage guide illustration

HMO Licensing

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 Licensing

1 minDavid Sampson24 Feb 2026

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