About HMO Warranties
A specialist broker for warranties on HMO conversions, refurbishments and fit-outs - part of Latent Defects and Finance Delta Ltd, authorised and regulated by the Financial Conduct Authority.
- Instant response
- Insurer quotes usually within one working day of your proposal
- UK FCA Regulated Broker
- Structural and non-structural cover
- We fill in the proposal form with you
Who we are
A warranty broker that focuses on HMOs
HMO Warranties exists because HMO work does not fit neatly into the usual warranty boxes. Most of the money goes into ensuites, kitchens and fit-out rather than the structure, the existing house has to be assessed, and the people asking for cover are usually lenders and investors rather than home buyers.
We focus on that. We know which providers take on HMO work, what they want to see, and which offer cover for the fit-out as well as the structure. We prepare the proposal form with you, get quotes, and look after the process through to the certificate.
HMO Warranties is part of Latent Defects, which arranges structural warranties across the UK. Both are trading names of Finance Delta Ltd.
Company facts
The details behind HMO Warranties
| Trading name | HMO Warranties, a trading style of Latent Defects |
|---|---|
| Firm | Finance Delta Ltd |
| Regulator | Authorised and regulated by the Financial Conduct Authority |
| Firm reference number | 912378 |
| Company number | 08244313, registered in England and Wales |
| Address | 105-107 Farringdon Road, London EC1R 3BU |
| What we do | Arrange warranties and non-structural cover for HMOs as an insurance broker |
| Basis | Non-advised - we give you the information to decide, we do not recommend |
| Who provides the cover | The warranty provider or insurer named in your quotation - we are not an insurer |
| Where | England, Scotland, Wales and Northern Ireland |
How we work
What you can expect from us
We are a broker, not an insurer
We arrange cover on your behalf with a limited number of specialist warranty providers and insurers. The provider named in your quotation provides the cover, and the insurer named alongside it carries the risk.
Information, not advice
We work on a non-advised basis. We find the providers likely to cover your HMO and give you the information you need to choose, but the decision is yours.
How we are paid
We are paid commission by the provider, which is a percentage of the premium, and we charge a broker fee for arranging HMO cover. Our modest broker fee is only charged on success - if we do not arrange your cover, you pay us nothing. Both are shown on your quotation, and we will tell you the commission if you ask.
Paperwork done properly
You receive our terms of business and a statement of your demands and needs before any cover is arranged. We check whether a provider is likely to be acceptable to your lender, though each lender makes the final decision.
Not an HMO?
Our sister brands
HMO Warranties is one of a family of specialist brands run by Latent Defects, all trading styles of the same regulated firm. If your project is not an HMO, one of these will fit it better:
- Conversion Warranties - houses split into flats, and offices, barns, churches and other buildings converted into homes
- Retrospective Warranties - cover after work has started or finished
- Newbuild Warranties - new build houses and flats
- Large Warranties - large multi-unit schemes, student accommodation and build to rent
- Social Warranties - social and affordable housing
Read our regulatory information, terms of business, privacy policy and complaints procedure.
Last reviewed 30 October 2026 by the HMO Warranties team. General information only - not advice. Your cover is set by the policy wording.
Talk to us about your HMO
Tell us about the HMO and the work you are doing and we will come back with the providers likely to cover it and what they will need to see.
