HMO Mortgage

Do you need planning permission to convert a property into a HMO?

If you are creating a small HMO (up to six tenants) then you typically dont require Planning Permission.  This is known as "Permitted Development Rights".


Unfortunately, not all councils are the same. In some council areas, they have an "Article 4 Direction". This can require the conversion of a C3 House to C4 HMO to require planning permission.


In addition, many structural changes to a property will require Planning Permission, HMO or otherwise. This is why it is recommended you talk to a Local Planning Consultant to determine if planning is required or not.

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