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HMO Mortgages – Room Sizes

Lenders will always ask their valuers to consider the minimum room size and communal space standards in accordance with current RICS guidance.

The HMO must have the correct level of communal space, amenities and fire precautions as set out by the respective local authority.

The spatial requirements are as follows:

  • Single bedroom: floor area 6.51m2 minimum
  • Double bedroom: floor area 10.22m minimum (rooms can’t include areas where ceiling height is below 1.5m)
  • 1-3 persons: 13.5m2 total communal living space, the kitchen must be at least 5m2
  • Four persons: 17m2 total communal living space, the kitchen must be at least 6m2
  • Five persons: 18m2 total communal living space, the kitchen must be at least 7m2
  • Six persons: 20m2 total communal living space, the kitchen must be at least 9m2
  • 7-10 persons: 27.5m2 total communal living space, the kitchen must be at least 11m2

Searchlight Finance Ltd is a broker not a lender.

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We are a credit broker not a lender.

Searchlight Finance Ltd is registered at 98, King Street, Knutsford, Cheshire, WA16 6HQ. Company Register number is 07929050.

Authorised and Regulated by the Financial Conduct Authority. Our FCA registration number is 743220. You can check via www.register.fca.org.

We are registered with the Information Commissioner’s Office, Z3109319 and you can check via www.ico.org.uk.

We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority.

We source finance from the whole of market and may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Member of National Association of Commercial Finance Brokers (NACFB).