The North West holds 17.9% of the UK’s HMO properties, the highest regional share.

Overall profitability remains strong, but a growing minority of landlords are starting to feel the strain, according to new market analysis.

The new product allows borrowing of up to £3 million at 70% LTV for large HMO properties.

HMO and MUFB five-year fixed rates at 75% LTV for loans between £250,000 and £1m now stand at 5.79%, reduced from 6.29%.

The offer is available for both purchasing and refinancing larger multi-let properties.

The property owner remains liable for a separate £2,500 civil penalty following the enforcement action.

Two-year fixed rates on the new HMO and MUFB products start from 2.44%, five-year fixed rates from 4.54%.

Keystone is the first lender to integrate Method xi directly via API.

Two-year fixed buy-to-let rates have fallen by up to 25bps, with five-year fixes reduced by up to 15bps.

Vann Vogstad, founder and CEO of COHO explores how the Renters’ Rights Act 2025 will fundamentally reshape HMO management, arguing that early preparation around tenant...