Small HMO Definition

We define a Small House in Multiple Occupation (HMO) as a residential property with a maximum of six bedrooms, which requires minimal adaption to sell as a family home, where both of the following apply:

• at least three tenants live there; forming more than one household and tenants share a lavatory, bathroom or kitchen facilities with other tenants; and
• a HMO licence is required (e.g. council Additional licensing scheme).

Large HMO Definition

We define a Large House in Multiple Occupation (HMO) as a residential property with a maximum of 10 bedrooms, which requires minimal adaption to sell as a family home, where both of the following apply:

• • at least five tenants live there; forming more than one household and tenants share a lavatory, bathroom or kitchen facilities with other tenants; and
  • a HMO licence is required (e.g. council Additional licensing scheme).
    

Large HMO products are also suitable for Complex HMO

Small MUFB Definition

We define a Small Multi-Unit Freehold Block (MUFB) as a freehold property made up of between two and six self-contained units.

Large MUFB Definition

We define a Large Multi-Unit Freehold Block (MUFB) as a freehold property made up of between seven and ten self-contained units. Large MUFB products are also suitable for Complex MUFB.

Hybrid MUFB Definition

If any element within a MUFB property would be defined as a HMO, then the property will be defined as a ‘Hybrid Multi-Unit’ property. The HMO element must adhere to our HMO criteria.

For detailed property criteria see our Criteria Guide or use our Criteria & FAQ search tool below.