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<br /> HMO CHANGES<br /> The broker’s guide to TAX<br /> In association with<br /> Un<br /> the<br /> rul<br /> derstand<br /> new<br /> es<br /> Support your<br /> landlord clients<br /> Find HMO<br /> funding solutions<br /> <br /> WELCOME & CONTENTS<br /> Welcome Contents <br /> L Page 4<br /> etting to tenants in a House in<br /> Multiple Occupation (HMO) is What are the new HMO<br /> increasingly popular with landlords, rules? <br /> due to attractive yields and income.<br /> But legal changes imposed from 1st<br /> October 2018 mean that all HMO<br /> landlords now need to apply for a licence<br /> with their local authority – and comply<br /> with other new rules.<br /> It’s early days under this new system, but the impact of the<br /> HMO changes on affected landlords will ran<a title="HMO.SUPP.ZMAG.PRINT page 1" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=1"> HMO CHANGES The broker’s guide to </a> <a title="HMO.SUPP.ZMAG.PRINT page 2" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=2"> </a> <a title="HMO.SUPP.ZMAG.PRINT page 3" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=3"> WELCOME & CONTENTS Welcome Contents L </a> <a title="HMO.SUPP.ZMAG.PRINT page 4" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=4"> C oping with change is an essent</a> <a title="HMO.SUPP.ZMAG.PRINT page 5" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=5"> RULES O rules? must also comply with new minimum</a> <a title="HMO.SUPP.ZMAG.PRINT page 6" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=6"> F irst of all, not all of your lan</a> <a title="HMO.SUPP.ZMAG.PRINT page 7" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=7"> IMPACT e ges? their licence and failed to do so. </a> <a title="HMO.SUPP.ZMAG.PRINT page 8" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=8"> T he buy-to-let market is complic</a> <a title="HMO.SUPP.ZMAG.PRINT page 9" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=9"> MAGELLAN HOMELOANS landlords storage space and b</a> <a title="HMO.SUPP.ZMAG.PRINT page 10" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=10"> T he HMO rule changes are yet ano</a> <a title="HMO.SUPP.ZMAG.PRINT page 11" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=11"> SUPPORT t your clients Portfolio problems? I</a> <a title="HMO.SUPP.ZMAG.PRINT page 12" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=12"> CASTLE TRUST Overcoming HMO hur 12 Castl</a> <a title="HMO.SUPP.ZMAG.PRINT page 13" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=13"> CASTLE TRUST dles landlords improved security of</a> <a title="HMO.SUPP.ZMAG.PRINT page 14" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=14"> Not all HMO landlords will be impacted immediatel</a> <a title="HMO.SUPP.ZMAG.PRINT page 15" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=15"> We're prepared to stick our neck out Our mortgage</a> <a title="HMO.SUPP.ZMAG.PRINT page 16" href="https://secure.viewer.zmags.com/publication/1d9733a2?page=16"> </a>