House of Multiple Occupation (HMO's)

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially accept Buy to Let applications on Houses of Multiple Occupation (HMOs)

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:

  • A 'Small HMO' is a property with up to six occupants from more than one household in a maximum of four bedrooms
  • 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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