Mark Bradley is a CeMAP qualified mortgage adviser with over 20 years of experience advising HMO landlords across the United Kingdom. He has helped thousands of portfolio landlords navigate the complexities of HMO licensing, from mandatory and additional licensing schemes to selective licensing and Article 4 directions in councils across England, Scotland and Wales.
Mark specialises in the intersection of HMO finance and compliance — advising landlords not just on the most competitive mortgage products for licensed HMO properties, but on the licensing requirements that directly affect mortgage eligibility, lender criteria and portfolio structuring.
His expertise covers mandatory HMO licensing under the Housing Act 2004, council-by-council additional licensing schemes, Article 4 direction planning requirements, fit and proper person assessments, HMO room size regulations, fire safety compliance, and the impact of the Renters Rights Act 2026 on licensed HMO properties.
Mark has advised landlords in every region of the UK and maintains active relationships with specialist HMO lenders including Paragon, Fleet Mortgages, Shawbrook, Foundation Home Loans and Aldermore. He holds additional qualifications in financial regulation and property law.