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HMOs
Do I Need an HMO Licence for a Property Conversion?
Find out when an HMO licence is required, what councils check for, and how Advocate Finance can help fund compliant HMO conversion projects.
8 October 2025
Find out when an HMO licence is required, what councils check for, and how Advocate Finance can help fund compliant HMO conversion projects.
Discover how our client was able to purchase a property in London to trade his business from.
Our client approached us as they had secured a semi-commercial property at auction and had 20 days for the purchase to complete. The property comprised a 7-bedroom HMO and one commercial unit, here’s what we did.
Find out when planning permission is required for a HMO. Learn the rules for tenant numbers, Article 4 areas, and licensing with Advocate Finance.
Find out if you can live above a shop with a semi commercial mortgage, how lenders assess it, and what factors like leases, rent and LTV mean for approval.
Refinancing a Buy to let property within 6 months of purchase following refurb works, what evidence do lenders ask for?
Do you want the ability to borrow up to 90% of the purchase price on a genuine Below Market Value (BMV) transaction?
Discover how our client saved time and costs with a free automated valuation refinance, securing the funds they needed quickly and efficiently.
Looking to invest in a flat with a shop below? Discover if a buy-to-let mortgage is suitable or if you need a semi-commercial mortgage instead. Learn more here.
Find out when a latent defects warranty or professional consultants certificate is needed in property conversions, and how each protects your investment.
Understand how lenders evaluate semi-commercial lending applications, including tenant strength, income, experience, and property use. Tips from Advocate Finance.
Compare fixed and variable semi-commercial mortgage rates. Learn the pros, cons, and which option suits your investment strategy with Advocate Finance.
Discover how mixed-use mortgages work, what lenders look for, and how to secure the best loan for semi-commercial properties with Advocate Finance.
Understand how semi-commercial mortgage rates work. Learn what affects them, current market trends, and how to get the best deal with Advocate Finance.
Discover what drives semi-commercial mortgage rates – from LTV, property mix and tenant strength to borrower credit and loan purpose. Secure the best deal with insight.
Learn how to secure the best semi-commercial mortgage rates, with expert tips on LTV, valuation, credit, lease and lender strategy to get a deal that fits your property.
Read how Advocate Finance helped a client save over £7,500 in legal fees when refinancing a semi-commercial property, maximising their mortgage benefits.
Case study: How we helped a client purchase a below-market-value portfolio of 9 HMOs – strategies, challenges and financial wins detailed.
Discover how we helped a small HMO client raise capital by leveraging investment valuation – boosting finances and maximising property potential.
Read how an MUFB got a 10% uplift in value via an aggregate valuation – unlocking more equity and enabling reinvestment.
Understanding when a Fire Risk Assessment is needed for your MUFB or block of flats – legal requirements, safety steps and best practices.