Zephyr’s new two-year fixed rate mortgage is available at 3.14% for up to 12-room HMOs or MUFBs.

England’s HMO stock increased by 2.3% in the past year, adding nearly 10,500 homes.

Maximum works cost for the new product is £500,000.

The lender's five-year zero fee HMO/MUFB product rate has been reduced by 10bps to 5.54%.

83% of students in HMOs say shared living has taught them basic maintenance skills.

Between June and September 2025, the number of available house shares in England dropped by 15.2%.

The top conflict trigger in shared homes is clashing personalities, cited by 24% of respondents, according to newly released data from COHO.

48% of students in HMOs say shared living spaces help them feel emotionally connected.

30% of HMO landlords earn between £100,000 and £199,999, compared with 10% of non-HMO landlords.

England currently has 13,663 shared living rooms available, worth over £7.9m per month in potential rent, according to the latest figures from COHO.