What Is Debt Service Coverage Ratio (DSCR)? For BTL Mortgages? When investing in Buy-to-Let (BTL) properties, one of the most critical factors that determines how much a lender will offer you is the Debt Service Coverage Ratio (DSCR). While many first-time landlords...
A Complete Guide to Fire Door Compliance for HMO Landlords and Installers Fire doors play a crucial role in ensuring the safety of tenants in HMOs (Houses in Multiple Occupation). Proper installation, maintenance, and compliance with regulations are essential to...
Council Tax and HMOs Understanding Your Responsibilities Council tax responsibilities within houses in multiple occupation (HMOs) can often be a confusing and complex topic for both landlords and tenants. Knowing exactly who is responsible for paying council tax helps...
Fire Doors The Essential Guide Understanding the Importance of Fire Doors Fire doors play a critical role in protecting lives and property by preventing the spread of fire and smoke. In the UK, approximately 3 million fire doors are installed annually. However, a...
Turning a 6-Bed HMO into a 7-Bed HMO The Planning Permission Process Explained Many landlords assume that increasing the number of rooms in their HMO is simply a case of notifying the council and updating their HMO license. Wrong. If you’re converting a C4 HMO...
Electric Heaters in HMOs Balancing Comfort and Compliance Electric heaters are a popular choice for supplementary heating in residential properties due to their convenience, portability, and relatively low upfront cost. However, their use in Houses in Multiple...