Budget Breakdown & What It Means For HMO Investors

In today’s episode, I break down the Autumn Budget and what it really means for HMO landlords and property investors, with expert insight from mortgage specialist Ellie Broadhurst.

After weeks of speculation and political noise, the budget has finally landed and while it wasn’t as bad as many feared, it was still far from good news. We explore the key changes that affect landlords, what didn’t happen (and why that matters), and the wider direction of travel for the property market. Most importantly, we discuss what you should be thinking about now to protect your portfolio and stay ahead in an increasingly challenging landscape.

🎯 What You’ll Learn

• The key announcements that directly affect landlords and property investors
• How tax changes may influence your portfolio decisions and long-term strategy
• Why incorporation and operating professionally matter more than ever
• How the budget interacts with the Renters’ Rights Act and wider market pressures
• What’s happening with mortgage rates, swap rates and lender behaviour
• Where the biggest opportunities will emerge for investors in the months ahead

If you’re serious about building, protecting and positioning your HMO business for long-term success, this episode is essential listening. Understanding the implications now will help you cut through the noise, stay confident and seize opportunities while others hesitate.

Contact Ellie here: https://thehmoroadmap.co.uk/hmo-mortg... if you’re interested in discussing your HMO mortgage and finance needs.

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Note: This episode was recorded on December 1, 2025.