The market can feel uncertain when you’re in the middle of it. House prices move in small increments, rents start to soften, lenders shift appetite quietly behind the scenes, and it becomes harder to know whether things are improving or whether that’s just wishful thinking.

In this episode, I sit down with mortgage and finance expert Ellie Broadhurst to unpack what’s really happening in the property market as we head through the first quarter of 2026. 

Ellie works at the sharp end of specialist lending, so this isn’t theory or headline-chasing - it’s a practical look at what she’s seeing from mortgage approvals, refinancing activity, lender behaviour and investor sentiment right now.

🎯 What You’ll Learn

• What recent lender behaviour could tell us about the direction of the market
• How interest rates, inflation, and sentiment are shaping opportunities for HMO investors
• How EPC ratings could unlock better lending terms and why many investors are missing out
• The growing risks around Article 4, planning evidence, and refinancing HMO properties

If you’re buying, refinancing, or planning your next move in the HMO market, this episode will help you understand where things stand now and what to watch closely in the months ahead.

Contact Ellie here, if you’re interested in discussing your HMO mortgage and finance needs.

💻 Resources & Mentions

• Join Andy’s Accelerator Programme: If you’d like my direct input on your current or next project, you can book a complimentary strategy call with me here.
• The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.
• Facebook Community: Got questions or need support? Come and connect with 10,000+ investors inside The HMO Community here.
• Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.

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