{"id":243303,"date":"2025-05-15T15:37:22","date_gmt":"2025-05-15T15:37:22","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/a-hmo-license-guide-for-landlords\/"},"modified":"2025-05-15T15:37:22","modified_gmt":"2025-05-15T15:37:22","slug":"a-hmo-license-guide-for-landlords","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=243303","title":{"rendered":"A HMO License Guide For Landlords"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<h2 class=\"wp-block-heading\">What is an HMO?<strong\/><\/h2>\n<p>HMO stands for \u201cHouse in Multiple Occupation\u201d. The term applies to any dwelling that is lived in by 3 or more people who are not of the same household. While buy-to-lets are rented out by a family unit who are all billed together, HMOs see individual tenants pay separately for their room and communal spaces are still under full ownership of the landlord.<\/p>\n<p>The most obvious example of an HMO is a house that is privately rented by several students. <a href=\"https:\/\/edinsure.co.uk\/contacts\/\">HMOs are increasing in popularity<\/a> across all age groups as it allows more affordable housing for tenants while offering landlords the potential for higher rental yields.<\/p>\n<h3 class=\"wp-block-heading\">What is a HMO licence and why does it exist?<\/h3>\n<p>In order to rent out your property as an HMO, a landlord needs to obtain an HMO licence for that property. HMO Licence laws are in place for two reasons:<\/p>\n<ol class=\"wp-block-list\">\n<li>To protect tenants from unscrupulous landlords from squeezing in as many tenants as possible into an \u201cHMO\u201d.<\/li>\n<li>To mitigate the extra potential risks that arise from a group of unrelated (and sometimes unfamiliar) living together.<\/li>\n<\/ol>\n<p>The regulations that<br \/>\nneed to be followed in order to attain the licence affect the size and<br \/>\ncondition of the room rented out (bedrooms), the amenities provided in the<br \/>\ngeneral living area, the condition of the property in general, and the<br \/>\nintentions of the landlord.<\/p>\n<p>Renting out your<br \/>\nproperty without an HMO licence can see a landlord face a fine of up to \u00a320,000<br \/>\nand potentially get a criminal record. They will also struggle to get a HMO<br \/>\nLicence in the future.<\/p>\n<p>You apply for your <a href=\"https:\/\/www.gov.uk\/house-in-multiple-occupation-licence\">HMO<br \/>\nlicence through your local council.<\/a><\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Renting out your property without an HMO licence can see a landlord face a fine of up to \u00a320,000 and potentially get a criminal record <\/p>\n<\/blockquote>\n<h3 class=\"wp-block-heading\">What are the bedroom<br \/>\nrequirements for an HMO?<strong\/><\/h3>\n<p>One of the conditions<br \/>\nof an HMO licence is that bedrooms are of a minimum size. This is to stop<br \/>\nlandlords from converting smaller rooms into \u201cbedrooms\u201d in order to add another<br \/>\ntenant to the property.<\/p>\n<p>The minimum bedroom<br \/>\nsizes run as follows:<\/p>\n<ul class=\"wp-block-list\">\n<li>Single bedrooms have to be larger than 6.51m2<\/li>\n<li>Double bedrooms (rooms that are rented out to two people) have to be larger than 10.22m2<\/li>\n<li>Bedrooms occupied by someone under the age of 10 has to be larger than 4.64m2<\/li>\n<\/ul>\n<p>In this case they are of the room refers to usable floor space that is floor space where the floor-to-ceiling height is over 1.5 metres. If a bedroom has a slanted ceiling it might be worth checking with a tape measure to see how much usable floor space there is.<\/p>\n<h3 class=\"wp-block-heading\">What must a landlord<br \/>\nprovide in the common areas of the building?<strong\/><\/h3>\n<p>In order to obtain an HMO licence a landlord must provide \u201cadequate washing and cooking facilities\u201d to a tenant.<\/p>\n<p>This is obviously<br \/>\nquite a vague statement, but it usually equates to one bathroom and toilet to<br \/>\nevery four tenants, as well as having a hob, oven and refrigerator in the<br \/>\nkitchen.<\/p>\n<p>HMOs also need to<br \/>\nhave a waste disposal system outside the building that is collected on a<br \/>\nregular basis.<\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p> In order to obtain an HMO licence a landlord must provide \u201cadequate washing and cooking facilities\u201d to a tenant. <\/p>\n<\/blockquote>\n<p>Health and safety<br \/>\nrequirements that HMOs need to abide by include:<\/p>\n<ul class=\"wp-block-list\">\n<li>Having a smoke alarm in all common areas of the property<\/li>\n<li>Having gas safety checks officially carried out every 12 months<\/li>\n<li>Having electrical safety checks carried out by a professional every 5 years<\/li>\n<li>Having a marked fire escape and a fire evacuation plan that is accessible to all tenants.<\/li>\n<\/ul>\n<p>Making changes to<br \/>\nmeet these regulations may affect the <a href=\"https:\/\/edinsure.co.uk\/landlord-insurance\/\">insurance<br \/>\nfor your property<\/a><\/p>\n<h3 class=\"wp-block-heading\">What are the specific<br \/>\nlandlord requirements for an HMO Licence?<strong\/><\/h3>\n<p>Landlords need to<br \/>\npass a \u201cfit and proper persons test\u201d in order to obtain an HMO licence. This is<br \/>\nto try to prevent landlords from exploiting their tenants.<\/p>\n<p>If you do not have a<br \/>\ncriminal record then passing this test should be a formality. People with<br \/>\ncriminal records may well not pass this test, particularly if their crimes are<br \/>\nrelated to making financial gains due to the exploitation of others (human<br \/>\ntrafficking, for example).<\/p>\n<h3 class=\"wp-block-heading\">Renewing your HMO<br \/>\nLicence<strong\/><\/h3>\n<p>HMO licences need to<br \/>\nbe renewed every 5 years. Renewal involves a comprehensive review of your<br \/>\nproperty by the local council to ensure that all regulations are met.<\/p>\n<p>If your property<br \/>\nfails to meet specific regulations you will be given a time frame to make<br \/>\nadjustments in order to meet the requirements. If you fail to make these<br \/>\nchanges you may lose your licence.<\/p>\n<h3 class=\"wp-block-heading\">What insurance do you need?<\/h3>\n<p>A standard landlord policy will not suffice. You need to ensure that your schedule clearly states that you are HMO \u2013 Failing to do so will more than likely mean that any claims will be rejected should a claim arise. At Edison Ives Insurance Solution we have a number of competitive, specialist solutions for you. <\/p>\n<p><a href=\"https:\/\/edinsure.co.uk\/contacts\/\">To arrange the right insurance please contact us today and we will happily assist.<\/a><\/p>\n<div class=\"sharedaddy sd-block sd-like jetpack-likes-widget-wrapper jetpack-likes-widget-unloaded\" id=\"like-post-wrapper-144794285-2757-68260a328e7c3\" data-src=\"https:\/\/widgets.wp.com\/likes\/?ver=14.6#blog_id=144794285&amp;post_id=2757&amp;origin=edinsure.co.uk&amp;obj_id=144794285-2757-68260a328e7c3\" data-name=\"like-post-frame-144794285-2757-68260a328e7c3\" data-title=\"Like or Reblog\">\n<h3 class=\"sd-title\">Like this:<\/h3>\n<p><span class=\"button\"><span>Like<\/span><\/span> <span class=\"loading\">Loading&#8230;<\/span><\/p>\n<p><span class=\"sd-text-color\"\/><a class=\"sd-link-color\"\/><\/div>\n<p><h3 class=\"jp-relatedposts-headline\"><em>Related<\/em><\/h3>\n<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>What is an HMO? HMO stands for \u201cHouse in Multiple Occupation\u201d. The term applies to any dwelling that is lived in by 3 or more people who are not of the same household. While buy-to-lets are rented out by a family unit who are all billed together, HMOs see individual tenants pay separately for their [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":243304,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[2059,48623,16571,23399],"dealstore":[],"offerexpiration":[],"class_list":["post-243303","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-guide","tag-hmo","tag-landlords","tag-license"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A HMO License Guide For Landlords - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=243303\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A HMO License Guide For Landlords - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"What is an HMO? HMO stands for \u201cHouse in Multiple Occupation\u201d. The term applies to any dwelling that is lived in by 3 or more people who are not of the same household. 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