Prepare the file
HMO mortgage evidence
An HMO is a licensing and planning question as well as a mortgage question. Mandatory licensing, additional licensing and article 4 directions are local.
What this page will not do
- The full guide is at /guides/hmo-mortgage-uk. This page is the file list.
- A mortgage illustration is not a statement that the HMO is lawful.
- It will not name a lender, a product, or an approval chance.
Questions
- Is a five-bed student house always an HMO?
- Often it is, and sometimes planning is the tighter constraint. Check the local rules rather than a national slogan.
- Will you calculate the yield?
- Only from figures you type into the yield calculator. We do not publish a local HMO rent.
MortgageConnector provides free mortgage research and calculators. If you want personalised advice, we can introduce you to an FCA-authorised mortgage broker. We do not provide regulated mortgage advice ourselves.
The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Want a broker to look at your own numbers?
An FCA-authorised broker can look at your income, credit and the property. MortgageConnector will introduce you. We do not recommend a mortgage.
Speak to a broker experienced with HMOs