The problem
A landlord owns three barns under one title and wants to use them for different rental purposes. Specifically, they plan to designate one barn for short-term rentals, another as a House in Multiple Occupation (HMO) for which they have a license, and the third as a holiday let. Other lenders are unwilling to accommodate this flexibility within a single property title.
The Solution
We can support this diverse rental strategy by financing the properties as a whole. This will enable the landlord to use each barn for its intended purpose—short-term let, HMO, and holiday let—all under one title.