HMO Mortgages in Brighton & Hove

Brighton & Hove’s strong student and professional rental markets make HMOs popular. Whether you’re setting up in Kemptown, near the universities or across Hove, we’ll help structure your mortgage application. Where regulated advice is required, we’ll connect you with an FCA-regulated adviser who understands HMO lending.

What We Do

• Explain lender appetite and HMO-specific products
• Compare personal vs. SPV limited company structures
• Clarify deposit levels, yields and stress tests
• Prepare licence and compliance evidence

Criteria Snapshot

• Deposit: Commonly 25–35%
• Rental cover: Stricter than standard BTL (145%+)
• Experience: Prior landlord history improves choice
• Licensing: Mandatory for 5+ tenants; local Article 4 may restrict new HMOs

Local Notes

Brighton’s Article 4 planning rules limit new HMOs in many areas. Lenders require clear evidence of licensing and compliance with space/fire standards.

HMO FAQs

What is Article 4?

A local planning restriction controlling new HMOs — relevant across parts of Brighton & Hove.

Do lenders accept student HMOs?

Yes with the right structure; some lenders prefer professionals — product choice varies.

How many rooms can I finance?

Small HMOs (3–4 tenants) are easier; large HMOs (6+) need specialist lenders.

Do I need a higher deposit?

Often — 30–35% is common for larger/student HMOs.

Next Steps

Share your Brighton HMO plans and we’ll connect you with an FCA-regulated adviser for tailored support.