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What is a HMO? A HMO mortgage is a type of specialist mortgage that is used to finance house in multiple occupations (HMOs), such as for students for example, so people that are not from the same household/ family – a HMO will have common areas such as kitchen and living room. HMOs should always be funded using HMO mortgages. Using a standard buy to let mortgage product may result in you breaking your mortgage conditions and could result in your lender requesting full repayment. HMOs are attract
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