Resolve the property.
Join the case to a UPRN or address and retain unmatched or uncertain residue.
09Buy-to-let and HMO
Evidence for the HMO question. Not an HMO answer.
Bring property attributes, valuation context, EPC, physical risk and available planning history into one lender review. Keep current use, licence status and approval with the responsible human and source authority.
09.1Case review
Choose the case. See what belongs in the evidence pack.
Scope a lender testCollateral review sheet / BTL-HMO-02Evidence, not an outcome
Route the questions a model cannot answer.
Human review requiredPhysical recordCompare floor area, storeys, bedrooms and construction with the application and valuation.
Planning historyInspect recorded Great Britain planning applications where present and review the source record.
Evidence gapsSend uncertainty, missing records and contradictory declarations to the appropriate specialist.
Property data cannot establish current use, HMO licence status, planning lawfulness or approval.
09.2Decision route
Turn a vague concern into a reviewable exception.
Choose an evaluation routeCompare the evidence.
Place attributes, valuation context, energy, risk and available planning records beside the application.
Route the exception.
Send conflicts and unanswered licence or use questions to the right human review.
09.3Pretira supplies
The property evidence.
A joined record, visible provenance, field coverage, confidence where tested, nulls and a clear exception trail.
09.4The lender decides
The lending and compliance outcome.
Current use, licence status, planning lawfulness, valuation route, policy exceptions and the final mortgage decision.
Test one BTL or HMO review path.
Bring the lending question and the evidence you already hold. We will define a bounded test and the human exceptions it must preserve.