House in Multiple Occupancy (HMO) lending can be very complex., especially with the change in the licensing laws back in October 2018.  This type of lending covers an assortment of property types such as a freehold house converted into 4 flats to a 5 bed, 3 storey property let to students on a one tenancy agreement.  At GMSL we take all the rules and unravel them to best place where your client fits in the market.