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I Spent 6 Months Searching for an HMO. This Is What Nobody Tells You.

I looked at 200 properties. 180 weren't actually HMOs. 15 had licensing problems. Here's what I wish I'd known from day one.

##HMOSearch##PropertyInvestor##ZARSK
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ZARSK avatarArticle

I Spent 6 Months Searching for an HMO. This Is What Nobody Tells You.

Article header image

I looked at 200 properties. 180 weren't actually HMOs. 15 had licensing problems nobody flagged. Here's what I wish I'd known from day one.

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ZARSK avatarShort
Short

I Spent 6 Months Searching for an HMO. This Is What Nobody Tells You.

I looked at 200 properties searching for an HMO. 180 weren't actually HMOs. 15 had licensing issues. The discovery problem is the real problem — and nobody talks about it. #HMOSearch #PropertyInvestor

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##HMOSearch##PropertyInvestor
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HMO Mortgages Explained: How to Get Approved When High Street Banks Say No

Your bank won't touch HMO mortgages. Here's the specialist system that 90% of new investors don't know exists.

##HMOMortgage##PropertyFinance##FirstTimeLandlord
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HMO Mortgages Explained: How to Get Approved When High Street Banks Say No

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Your high-street bank almost certainly won't touch your HMO mortgage application. Not because your finances are weak — but because most of them simply don't offer the product. Here's the specialist system that exists specifically for this, and why 90% of new HMO investors waste months not knowing it's there.

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Short

HMO Mortgages Explained: How to Get Approved When High Street Banks Say No

Your bank didn't decline your HMO mortgage because of your finances. They declined because they don't sell the product. 30+ specialist lenders do. Most investors never find them. #HMOMortgage #PropertyFinance

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##HMOMortgage##PropertyFinance
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Why 80% of New BTL Purchases Go Through Limited Companies — And What HMO Investors Get Wrong

Section 24 killed personal-name landlording. But most HMO investors setting up Ltd companies are making one critical mistake with their mortgage structure.

##Section24##HMOMortgage##PropertyInvestment
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ZARSK avatarArticle

Why 80% of New BTL Purchases Go Through Limited Companies — And What HMO Investors Get Wrong

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Section 24 killed personal-name landlording. But most HMO investors setting up Ltd companies are making one critical mistake with their mortgage structure — and it's costing them far more than the tax saving they worked so hard to protect.

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ZARSK avatarShort
Short

Why 80% of New BTL Purchases Go Through Limited Companies — And What HMO Investors Get Wrong

80% of new BTL purchases go through Ltd companies now. Most investors get the structure right — then pick the wrong mortgage fix length inside it. The stress test difference alone can cost you tens of thousands in borrowing capacity. #Section24 #HMOMortgage

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##Section24##HMOMortgage
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5 Cities Where HMO Yields Still Hit Double Digits in 2026

London landlords are losing money. Meanwhile these 5 cities are quietly delivering 10%+ yields on HMOs.

##HMOInvestment##RentalYield##PropertyInvestingUK
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ZARSK avatarShort
Short

5 Cities Where HMO Yields Still Hit Double Digits in 2026

London HMO yields: ~4%. Liverpool, Manchester, Sheffield: 10%+. The North vs South yield gap isn't closing. It's widening. #HMOInvestment #RentalYield

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##HMOInvestment##RentalYield
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ZARSK avatarArticle

5 Cities Where HMO Yields Still Hit Double Digits in 2026

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Most landlords I speak to are still fixated on London. They're sitting on properties yielding 3-4% gross, watching their margins get eaten by mortgage costs, while investors in Liverpool and Sheffield are quietly banking 10%+ on HMOs.

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