How to Organise Houses in Multiple Occupation (HMOs) Finance Checklist

Brooklands Commercial Finance

Brooklands Commercial Finance was established in 2003 and is one of the

UKs leading FCA authorised brokers in property and development finance.

You can contact Brooklands Commercial Finance on: -
Tel: 03455 488 002 Email:


Thanks to Brooklands Commercial Finance this
How to Organise Houses in Multiple Occupation (HMOs) Finance Checklist is FREE of charge!

How to Organise Houses in Multiple
Occupation (HMOs) Finance Checklist

 Join Now xDonex


Your property is probably an HMO if:

  • Three or more unrelated people live there, as at least 2 separate households – for example, 3 single people with their own rooms or 2 couples each sharing a room

  • The people living there share basic amenities - for example a kitchen and/or a bathroom



Types of HMOs

  • A house split into separate bedsits

  • A shared house or flat, where the sharers are not members of the same family

  • A hostel

  • A bed and breakfast that is not just for holidays

  • Shared accommodation for students




  • Determine target market

  • Transport, buses, trains, commuter route

  • Close to a university or hospital

  • Demand and supply in the area





  • Gross yield versus net yield

  • Is your broker FCA regulated?

  • Is your broker a full member of the National Association of Commercial Finance Brokers?

  • Experienced HMO landlord?





  • Bricks & Mortar Value - where a property is valued in accordance with its neighbouring properties

  • Investment Value - where a property is valued on its investment value or a multiple of its income




Is the borrower going to be a limited company or an individual?



All our information is brought to you by Kate Faulkner, author of
Which? Property books and one of the UK's top property experts.
This website is Copyright © Designs on Property Ltd and protected under UK and international law.