HMO finance, explained
Clear, practical guides to the rules and numbers that decide what you can borrow against an HMO, and how to finance a purchase, a conversion or a refinance. We are a broker, not a planning, legal or tax adviser, so always confirm your position with the right professionals.
Article 4 Directions
An Article 4 direction removes permitted development, so a small HMO conversion needs full planning. See what it means for buying and funding. Talk to us.
GuideBricks vs Investment Valuations
How an HMO is valued on bricks and mortar versus investment yield, why the basis sets your loan and refinance, and how to cut downvaluation risk. Talk to us.
GuideConverting A House To An HMO
A step-by-step finance guide to converting a house into an HMO: planning, works, the numbers, licensing and funding with a bridge then a mortgage. Talk to us.
GuideHMO Licensing & Lending
Mandatory, additional and selective HMO licensing explained, plus how lenders treat licensable, licensed and unlicensed HMOs. Get funding on the right footing.
GuideHMO Yields & Affordability
How HMO yields are worked out, the lender rental stress test and ICR of 125% to 145%, and how affordability sets your maximum loan. Talk to us today.
GuideLtd Company vs Personal
The HMO decision between limited company and personal ownership: tax relief, SPV mortgages, lender availability and pricing. Talk to us and take tax advice.
Get indicative terms on your HMO
Tell us about the property, the room count and the licensing position. There is no charge to enquire.