Updated for the 1 May 2026 law change: Renters' Rights Act 2025 now in force
Reviewed for the Renters' Rights Act · Updated 20 July 2026

HMO licensing: when your rental needs a licence

A house in multiple occupation is a property where three or more people from two or more households share facilities such as a kitchen or bathroom. Cross that line and a distinct regulatory regime applies on top of ordinary tenancy law.

When a licence is mandatory

Mandatory HMO licensing applies where five or more people from two or more households share. Councils can add additional licensing covering smaller HMOs and selective licensing covering all rentals in designated areas, so the only safe assumption is to check your specific council's schemes for your specific address.

What licensing brings with it

The cost of getting it wrong

Operating an unlicensed licensable HMO carries unlimited fines or civil penalties up to £30,000, rent repayment orders returning up to 12 months of rent to tenants, and restrictions on possession claims while unlicensed. Joint tenancies in shared houses raise their own drafting questions: see our joint tenancy guide.

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Frequently asked questions

Is a house shared by three friends an HMO?

Yes, three or more people from two or more households sharing facilities is an HMO. Whether it needs a licence depends on size and your council's schemes.

What happens if I rent out an HMO without a licence?

Unlimited fines or penalties up to £30,000, rent repayment orders of up to 12 months' rent, and difficulty obtaining possession while unlicensed.