UK Mortgage Glossary
House in Multiple Occupation (HMO)
Property let to 3+ unrelated tenants sharing facilities.
Full definition
A property let to 3+ tenants from 2+ separate households (most council definitions), sharing kitchen, bathroom, or toilet facilities. HMOs of 5+ tenants typically require mandatory licensing. HMOs need specialist HMO mortgages with different LTV and rate criteria than standard BTL.
How this affects you
Whether house in multiple occupation (hmo) is relevant to your mortgage depends on your circumstances — lender, product, deposit, employment, credit profile, and stage of application. An FCA-authorised mortgage broker will tell you exactly where it applies to your case.
Ready to talk to a broker?
An FCA-authorised UK mortgage broker can explain where house in multiple occupation (hmo) fits into your specific application — free.
Get matched with a broker