HMOs and multi-unit blocks

When it comes to houses in multiple occupation (HMOs) and multi-unit blocks, we have the expertise and experience to help you find the right mortgage for your landlord clients.

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Apartment building

For HMOs we allow...

  • Up to 20 rooms
  • Multiple kitchens
  • Locks on doors
  • Single or multiple tenancies

We accept a variety of tenants, including:

  • Students
  • Young professionals
  • Benefit recipients
  • Lets directly with the local authority or housing association for up to five years

We will also consider up to 20 self-contained flats under one freehold title, and freehold blocks with a maximum of 50% of the units having been sold on individual tenancies.


Expert Insights - HMOs

We spoke to our National Sales Manager and Head of Surveyors regarding some of the key questions and challenges facing landlords and the HMO market.

Take a look at the video to hear what they had to say.

The changing face of HMOs

HMOs are moving upmarket as tenants demand better facilities and professional landlords grow their presence in the sector. Read our report on the changing face of HMOs to find out more.

The changing face of HMOs report
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Deep dive – HMOs

For a more in depth look at HMO regulations take a look at our information guide. The guide covers planning permissions, licensing requirements, health and safety and overall management considerations.

HMO guide

For our full criteria, please refer to our portfolio lending guidelines and submission requirements.

Find your Regional Manager

Paragon Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England number 05390593. Registered office 51 Homer Road, Solihull, West Midlands B91 3QJ. Paragon Bank PLC is registered on the Financial Services Register under the firm reference number 604551