The definition of Houses in Multiple Occupation is defined as a property rented out by at least 3 people who are not from 1 ‘household’ (i.e not a family or other special relationship) but share facilities like the bathroom and kitchen. 

It is worth noting that not all HMO’s require licencing and/or change of planning.  #teamVIBE can assist on both of these points as it is dependent on your local authority

HMO Mortgages are a specialist type of mortgage product available where lenders will accept House in Multiple Occupation as acceptable lending security. 

Whether it be finance required on a small or large HMO, here at VIBE we specialise in not only the ‘vanilla’ type cases but also the more ‘complex’ ones – it’s simply the core of what we do!