HMO BTL affordability assessment

Our standard acceptability

ICR based

Criteria definition:

This relates to the potential rental calculation we will apply. 

Policy Notes:

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

Warning Notes:

  • 125% for Limited Companies 
  • 145% for any additional/new lending and 130/135% for like for like remortgages for UK landlords and Expats

Criteria categories:
  • affordability
  • Policy

Last updated:

07 November 2025

Check affordability Contact your BDM DIP or Illustration Request