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The following text was taking from the gov.uk website as it describes a HMO as the following:
A house in multiple occupation is a property rented out by at least 3 people who are not from 1 ‘household’ (eg a family) but share facilities like the bathroom and kitchen. It’s sometimes called a ‘house share’.
You must have a licence if you’re renting out a large HMO. Your property is defined as a large HMO if all of the following apply:
- it’s rented to 5 or more people who form more than 1 household
- it’s at least 3 storeys high
- tenants share toilet, bathroom or kitchen facilities
Yes it is a legal requirement that all HMO properties are licensed via your local authority. Lending Expert recommends that you contact your local authority to learn more about the requirements, rules and regulations.
Most lenders will lend on HMOs with up to 5 bedrooms. If your HMO is larger than this then your choice of lenders will be reduced or you property will be considered as a commercial building rather than buy to let.
A property is often referred to as being a multi-let property if it is a type of HMO that does not require a license.
Approximately half of all the buy to let mortgage lenders on our brokers panel accept HMO's. Contact our specialist broker here on Lending Expert to discover more about the panel of Lenders.
Our HMO mortgage broker will assist you in calculating the costs, and the repayments of your mortgage depending on the most suitable product.
Yes if you are a british expatriate and looking to invest in UK HMO properties then there are a range of suitable lenders who can help.
You'll need about a 30% deposit for most HMO mortgages and lenders. 70% Loan to Value. A specialist broker here at Lending Expert can explain in detail about the various product available on the market.
Get expert advice and buy to let mortgage comparsion from our approved brokers. Get a quote here on Lending Expert.
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Mortgage products and lenders that dont require proof of income are available.
If you're unemployed you can still get a mortgage with these lenders via Lending Expert.
Buy to let mortgages for portfolio landlords who wish to mortgage multiple investments.