The Property Rebel

← The Property Rebel9 Dec 2025 · 15 min

Episode 287 - HMO Licensing Costing You Thousands

Episode 287 - HMO Licensing Costing You Thousands9 Dec 202515 min

In this week's episode of The Property Rebel: Arsh Ellahi breaks down a worrying trend affecting landlords across the UK — councils are now actively informing your mortgage lenders and insurance companies about your HMO applications, prohibition notices, and even minor compliance issues. Arsh shares real-life examples from his own portfolio, including how a simple licensing renewal triggered automatic notifications to lenders, and how an incorrect prohibition order almost led to uncomfortable conversations with the bank.

He explains how councils are increasingly using enforcement, licensing requirements, and minor technicalities to generate revenue — and how this could put unprepared investors at serious risk. From wrong mortgage products to insufficient insurance cover, Arsh reveals the pitfalls many landlords fall into without realising it. If you own HMOs or plan to buy one, this episode is essential listening to protect your portfolio and avoid costly surprises.

Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats

Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach

Wanna connect with Arsh? Click this link: www.arshellahi.com/contact

Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe

Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:

Apple Devices: Download Here

Android Devices: Download Here

Or Visit the website by clicking HERE

Thank you for listening!

#propertyrebel