The HMO Blog

The Hidden Costs Investors Forget to Budget For

By Mary and Andrew Osman | August 24, 2026 | Comments Off on The Hidden Costs Investors Forget to Budget For
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Photo by Elite Dwellings One of the biggest reasons property development projects exceed budget isn’t necessarily rising construction costs, it’s the expenses that were never…

Should You Replace Your Property VA With AI?

By Jane Scroggs | August 17, 2026 | Comments Off on Should You Replace Your Property VA With AI?
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Photo by WJF Developments I think it’s fair to say that successful property people understand leverage. It’s also fair to say that debt is not…

Everything You Need to Know About Article 4 Directions

By Andy Graham | August 10, 2026 | Comments Off on Everything You Need to Know About Article 4 Directions
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Photo by WJF Developments Investing in HMOs within Article 4 areas can feel very arduous, particularly if you’re new to this kind of investment. However, with…

How to Ensure a Smooth Mortgage Process

By Ellie Broadhurst | August 3, 2026 | Comments Off on How to Ensure a Smooth Mortgage Process
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Photo by Snug Properties The mortgage market has continued to shift over the past month, with plenty of rate changes and a new Prime Minister,…

Why Due Diligence Can Make or Break a Property Investment

By Mary and Andrew Osman | July 27, 2026 | Comments Off on Why Due Diligence Can Make or Break a Property Investment
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Photo by Elite Dwellings Every successful property investment begins long before contracts are exchanged. While finding a property at the right price is important, thorough…

10 Mistakes HMO Investors Make When Working With a VA

By Jane Scroggs | July 20, 2026 | Comments Off on 10 Mistakes HMO Investors Make When Working With a VA
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Photo by Snug Properties Hiring a VA can take a huge amount of pressure out of an HMO business, but the relationship does not always start…

A Guide to Recycling Capital in Your HMO Portfolio

By Andy Graham | July 13, 2026 | Comments Off on A Guide to Recycling Capital in Your HMO Portfolio
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Photo by WJF Developments Even if you feel you don’t need finance for your HMO right now, it’s still a good idea to start working on…

How Do Refurbishment Bridges Really Work?

By Ellie Broadhurst | July 6, 2026 | Comments Off on How Do Refurbishment Bridges Really Work?
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Photo by Snug Properties This month, I want to talk you through how refurbishment bridging works. It’s one of our most popular products, as it…

HMO vs Buy-to-Let: Which Property Strategy Is Better for You?

By Andy Graham | June 29, 2026 | Comments Off on HMO vs Buy-to-Let: Which Property Strategy Is Better for You?
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Photo by WJF Developments Many property investors want to figure out what the best kind of investment is for them, especially moving forward, and this can…

Small Sites, Big Potential: Turning Tricky Properties Into Profitable Projects

By Mary and Andrew Osman | June 22, 2026 | Comments Off on Small Sites, Big Potential: Turning Tricky Properties Into Profitable Projects
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Photo by Elite Dwellings For many property developers and investors, the most profitable opportunities are not always the obvious ones. While large development sites often…