HMO Maximum Number of Bedrooms

Our standard acceptability

6

Criteria definition:

Indicates if we have a maximum number of bedrooms allowed on HMO properties and if so how many

Policy Notes:

Family Building Society can consider lending on 'Houses of Multiple Occupation (HMO)'. UK Landlords, Limited Companies and Expats can be considered.

Up to 6 bedrooms considered and a maximum of 6 tenants.

Warning Notes:


  • The occupants live together and share common facilities such as a bathroom, kitchen or toilet with one main access. Each tenant must have an individual AST agreement and the right to use shared parts of the property, or a joint AST agreement over the whole of the property will be acceptable
  • The property can be easily converted back into a single main dwelling (family home)
  • A borrower who has at least one existing Buy to Let property that they have maintained for at least 12 months
  • Not available for student lets and care homes

Criteria categories:
  • hmo
  • Property

Last updated:

07 November 2025

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