Can you buy a HMO on a BTL Mortgage | Property investing UK 

Cheers Jamie, putting in an offer on my first "commercially valued" HMO today and wanted to understand the maths. As always, perfectly explained. Best of luck to Alex and his vaping venture also :)

Excellent video!

Amazing!!! Thank you for this!!! 🙌🏾🙌🏾🙌🏾

Great job Jamie. Would be interesting to watch your video about Landlord insurance. What cover and options must have and not e.t.c.

Hi Jamie, I'm loving all the content you share here on your channel and this video is no exception so thank you :-). On another note, I registered for your deal packaging webinar last night but didn't get chance to watch it all so will you be doing an encore or can you send me pm with a link to the replay? Thanks in advance

Great content once again. Keep posting!

Hi Jamie Been following you for a while now Always great content Question Can I get a hmo mortgage for a first time buyer ?

hi jamie, great content.. how do you set up non article google my msap? cheers

Can i buy a normal three bedroom house on a buy to let mortgage. Convert it into a HMO, and then apply for a HMO license

Should we get a buy-to-let mortgage for a property that we are going to convert into an HMO in the near future? What type of mortgage do we require in this instance?

Could you do a video about owning a Airbnb house please?

if 5 room (utility and living room combine) with shared kitchen with dining without hmo possible?

Hi Jamie, I have a property and the typical candidate for tenancy are young professional couples with no kids. For the first time, I’ve had a joint application from 3 unrelated people who work at the same place. Do you think going HMO on a one-off basis would be something to consider, taking into account that the applicants are professionals, not students, so the risk might be slightly lower? The idea is tempting, as I would have to pay a higher insurance premium and not sure what conditions the lender would place when I tell them - I’ve checked the mortgage conditions and it does not mention any limits around the type of letting, but only that the property must be let, the multiple occupancy is not even listed in the glossary of the conditions -, but it would give me the possibility for a higher margin too. But I’m usually all for “boring vanilla BTL” as you often call it, so I’m not sure if I’d want to go down that road, as it might be all a new set of problems, the tenants might not be as attached to the house as a family would, their relationship might break down more easily than a couple’s and they might start fighting with each other and not pay shares of rent, causing the whole project to collapse. I don’t know, have you ever had similar situations where a HMO possibility has presented itself when you weren’t looking for it and how have you dealt with it?

How many bedroom house need hmo or don't need which type?

What about if you had a standard BTL Mortgage and you convert your artic to 2 rooms and you now have over 5 rooms on 3 floors (HMO); what do you do about your BTL Morgage? Are you gonna change it to a HMO Mortgage or Just leave it alone?

3 or more but in how many rooms?

not too sure what you mean when you say alex is 10% yield and the bank is a 2% yield for the same property both paying 50k per annum

What brand is your whiteboard? :P I want one!

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