# HMO Mortgages: Complete Guide to House in Multiple Occupation Finance
HMO (House in Multiple Occupation) mortgages are specialist products for properties rented to multiple tenants.
## What is an HMO?
An HMO is a property rented to at least 3 people who are not from one household, sharing facilities like kitchen and bathroom.
## HMO Licensing Requirements
### Mandatory Licensing
– **5 or more** tenants
– **3 or more** storeys
– **Shared facilities**
– **Local authority** licensing required
### Additional Licensing
– **Smaller HMOs** may require licensing
– **Selective licensing** in some areas
– **Planning permission** considerations
– **Fire safety** requirements
*Planning an HMO investment? Our specialist brokers understand the complex requirements and can help you secure the right finance.*