Lender accuses me of breaching mortgage conditions?

Lender accuses me of breaching mortgage conditions?

Illustration of a landlord facing mortgage issues after a 3-bed property is reclassified as an HMO.
Readers Question by Readers Question
7:59 AM, 19th June 2026, 1 week ago 22
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Landlord NewsLandlords Questions

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

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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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