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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.
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…
Are you an existing buy-to-let landlord who owns a range of complex multi-unit blocks of flats (MUFB) or houses of multiple occupations (HMOs) within your portfolio that need refinancing? Alternatively, do you want to start
We are often approached by property investors asking about the different funding options converting a property into a HMO. These properties are proving to be increasingly popular high-yielding investments for professional landlords. For those landlords
HMOs remain an ever-popular investment for our professional landlords. In many cases we see investors purchase a residential property with the intention of converting that property into a HMO. Once converted, investors look to refinance
A new change to the BTL market is due to take place on 1st October 2018, this change will affect all HMOs and it is very important that all landlords are aware. What are the