Article 4 HMO Advice - London Guidance for Landlords and Investors

A practical guide for landlords on Article 4 Directions affecting HMOs in London, explaining when planning permission is required, compliance risks, and how Fraser Bond supports property investment and management.

Introduction

In many London boroughs, Article 4 Directions have changed the rules for converting properties into Houses in Multiple Occupation (HMOs). Landlords and investors must understand these restrictions to avoid enforcement action, fines, or forced property reversions.

Fraser Bond provides expert advice on Article 4 compliance, HMO planning, and licensing, helping landlords protect rental income and optimise investment in London.

What Is an Article 4 Direction?

An Article 4 Direction is a planning tool used by local authorities to remove permitted development rights. For HMOs, this means:

• Converting a single dwelling (C3) into a small HMO (C4) often requires planning permission

• Applies in areas with high HMO concentration or specific housing needs

• Boroughs such as Camden, Hackney, Islington, and Haringey have active Article 4 zones

Even small HMOs that previously did not require planning consent now fall under council approval.

Key Considerations for Landlords

Before converting a property or purchasing an HMO in London, landlords should assess:

• Whether the property falls within an Article 4 zone

• Existing HMO concentration in the area

• Local planning policies and borough HMO strategies

• Minimum room sizes, fire safety, and amenity requirements

• Potential impact on parking, waste, and neighbours

Ignoring Article 4 rules can lead to enforcement notices, fines, or reversal of HMO conversion.

Planning Permission vs HMO Licensing

It is important to remember:

• Article 4 concerns planning permission for change of use

• HMO licensing (mandatory, additional, or selective) addresses property management and safety compliance

• Both requirements must be met before letting the property

Fraser Bond helps landlords navigate both planning and licensing obligations to ensure full regulatory compliance.

How Fraser Bond Supports Article 4 Compliance

Fraser Bond offers:

• Article 4 HMO advice and risk assessments

• Planning application guidance and documentation support

• HMO licensing compliance checks

• Portfolio-wide regulatory monitoring

• Strategic investment advice for HMO properties

Proactive planning and compliance reduce risk, protect rental income, and enhance long-term property value in London’s competitive HMO market.