HMO Mortgage Challenges under Tightened UK Rental Rules
In the UK, investing in property has always been a great way to build wealth over time. But recent changes to the rules and limits on lending have made things a little harder for landlords who are interested in HMOs or serviced accommodations. Here, we break down the main problems with getting an HMO mortgage […]
Everything You Should Know About HMO Finance: A Comprehensive Guide for Landlords in 2025
Houses in Multiple Occupation (HMOs) are a popular investment choice for landlords looking to maximise rental yields. These properties house three or more unrelated tenants who share facilities like kitchens and bathrooms, creating higher income potential compared to standard buy-to-let properties. When financing an HMO, landlords typically need a 15-25% deposit, and must navigate special […]
Plan to convert Worcester B&B into 13-bed HMO looks set to be approved
A PLAN to convert a city bed and breakfast into a 13-bed house of multiple occupation (HMO) looks set to be approved. The application would see Wyatt Guest House in Barbourne Road transformed into the apartments with a number of shared facilities. The guest house, which sits in the Shrubbery Avenue conservation area and is […]
Planning inspector overrules council on seven shared houses in Brighton
Neighbours objected and the council said no – but seven more Brighton properties can be used as shared houses after planning permission was granted on appeal. All seven are in wards where Brighton and Hove City Council restricts the conversion of family homes into houses in multiple occupation (HMOs). And all seven are in wards […]
Rogue landlord fined over £7k after council uncovers llegal HMO in Luton town centre
A rogue landlord has been fined over £7,000 after Luton Borough Council uncovered an illegal house of multiple occupation (HMO) in the town centre On Wednesday, March 20, Prestige Luton Ltd, of Britannia House, Leagrave Road, pleaded guilty at Luton Magistrates Court to charges of managing an HMO at 135 Wellington Street and breaching regulations […]
Complaints drop ‘significantly’ following ban on ‘To Let’ signs in the Dales
Complaints from residents living the Dales area of Liverpool have “reduced significantly” following the introduction of a ban on ‘To Let’ signs according to a new report. Liverpool City Council first introduced a ban on visible advertising for rental properties in 2015 amid worries the boards were having a negative impact on the sustainability of […]
Agents told to read small print in local licensing schemes as more fall foul of new rules
Landlords and agents are being increasingly caught out by having to license small shared properties as Houses in Multiple Occupation – only for landlords to be told that they are in breach of their mortgage conditions and are not covered by insurance. Properties that now rank as HMOs requiring licences could be as small as […]
Buy To Let Investor Fined For Incorrect Licensing In Nottingham
A private buy to let investor has been told he must pay almost £6,500 for renting four properties in Nottingham without a license. Rogue landlord Dilip Gohil was prosecuted after his failure to acquire the correct licensing for his houses in multiple occupation (HMOs). This was in spite of the fact that each property boasted […]
Bath Landlords Fined For Operating HMO Without Licence
Two Bath private landlords have been told that they must pay more than £16,000 due to their failure to obtain the correct House in Multiple Occupation (HMO) licensing. Elizabeth Vowles, 48, and Hayley Book, 55, both from Weston pleaded guilty at Bath Magistrates’ Court to their licensing failure, deemed an offence under the Housing Act […]