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Lender accuses me of breaching mortgage conditions?
7:59 AM, 19th June 2026, 1 month ago
23
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Hello, My lender is seeking to impose monthly fines for breaching my mortgage conditions, following the local council’s decision that three unrelated sharers now constitute an HMO, even though it’s a modest 3-bed terraced house with no bedroom locks.
The previous threshold, when I took out the mortgage, was four. My lender doesn’t do HMO properties.
This is a case of government changes to the law forcing landlords into an involuntary breach.
Is that fair?
Does anybody else face the same problem?
Thank you,
Richard
Tags:
buy-to-let mortgage conditions, council HMO definition, HMO licensing rules, HMO mortgage breach, landlord mortgage penalties, three unrelated tenants
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Member Since September 2015 - Comments: 7
4:59 PM, 25th June 2026, About 4 weeks ago
Good news
Hope that’s the lash you hear from them
Member Since May 2014 - Comments: 633
5:21 PM, 25th June 2026, About 4 weeks ago
Lets hope they don’t move the goalposts again and that this is the last time you will hear from them.
Member Since October 2022 - Comments: 239
1:14 AM, 12th July 2026, About 1 week ago
When your current deal expires, move to another lender that is more flexible. TMW seems to be the best in that regard. They still count up to 4 unrelated tenants on individual tenancies as a standard let. They also have some of the lowest rates on the market. Downside is that they also support many of the anti-landlord tenant activist groups through the Nationwide Foundation.