HMO mortgages typically need a 25%–35% deposit. Learn how deposit size affects interest rates & how Advocate Finance helps landlords find the right HMO lender
Understand all fees linked to Houses in Multiple Occupation (HMO) mortgages, including broker, valuation, legal and licensing costs. Advocate Finance.
Discover how HMO mortgages differ from standard buy-to-let loans — from costs and risks to specialist lenders, valuation methods, and investor experience.
Find out when an HMO licence is required, what councils check for, and how Advocate Finance can help fund compliant HMO conversion projects.
Find out when planning permission is required for a HMO. Learn the rules for tenant numbers, Article 4 areas, and licensing with Advocate Finance.
Learn how mortgages for Hybrid HMOs & MUFBs work – combining units & room lets, maximising yields and financing strategies tailored for this property model.
Understand how commercial valuations apply to small HMOs. Learn what lenders look for and how size and layout impact mortgage decisions.
Should you get a Certificate of Lawful Use for your HMO (C4)? Learn how it affects mortgage options, planning, and long-term property strategy.
Investing in HMOs or MUFBs? Discover how to access the best mortgage rates, free valuations, and lender insights for property success.
Have you been affected by the HMO council tax per room charges? Learn more…
A specialist buy-to-let lender whose drive and desire is to lend on these property types.
Thinking of an HMO conversion? Discover key steps, compliance requirements, and funding strategies for profitable property investments.
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