HMO Mortgage

What are the HMO Licence Conditions?

An HMO licence is valid for a maximum of five years.


You and your property from the outset (and renewal) will be checked against a set of conditions. In addition to random checks or those when tenants complain. We have set out some of the conditions, check your HMO Licence and confirm with your Local Authority for more details.

You must make sure that the house is suitable for the number of occupants. Such as ensuring there is enough Kitchen space available, toilets, showers and parking.


The property must comply with The housing health and safety rating system ( HHSRS ).  This is a list of 29 potential hazards from damp, mould, excess cold, overcrowding, entry by intruders, lighting, noise, hygiene, trip hazards and physical injury.


This is in addition to ensuring the fire safety of the property. Including smoke alarms and easy routes of escape for the occupants. Your local authority places much emphasis on fire safety at the property. Your property will need to meet the LACORS Fire Safety Guide.


The manager of the HMO (you or an agent) is considered to be "fit and proper". Such as having no criminal records or previous breaches of landlord regulations.


In addition, you must supply your council Gas & Electrical Safety certificates. Your local authority may stipulate other conditions in your licence.


What is a HMO Licence?

An HMO Licence allows you to rent your property to multiple-occupants. Certification from your Local Council that you are a fit and proper person, and that the property fit.


Landlords can be prosecuted by their local authority for not obtaining an HMO Licence. Though not all properties need an HMO Licence


... read more on What is a HMO Licence?

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