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The 19.2% Question: An HMO Application Just Under the Concentration Cap

A landlord let a family house as a six-bedroom HMO without realising the entire borough sits under an Article 4 direction. An enforcement letter arrived with a hard 24-day deadline. The whole case turned on the percentage of HMOs within fifty metres.

🏢 LPA · Welwyn Hatfield Borough Council
📑 HMO Conversion · C3 to C4
⚠ Status · Application in progress

The starting point

Our client is a small landlord. They own a family-sized house in Hertfordshire and, earlier in the year, started letting it as a six-bedroom shared house — converting the upstairs bathroom into a separate toilet and an additional shower room to make the property work for that number of single occupants. They applied for an HMO licence through the council's Private Housing team, completed a schedule of remedial works, and felt they were doing things by the book.

What they didn't realise — and what most landlords in the same position don't realise — is that the borough sits under a long-standing Article 4 direction removing the usual permitted development right to switch from a standard family dwelling (Use Class C3) to a small HMO (Use Class C4). In the rest of the country, that switch is automatic. Inside an Article 4 area, it needs full planning permission. A planning enforcement officer wrote to the landlord with a strict deadline to submit an application or face formal action.

Why this case was finely balanced

HMO applications in Article 4 areas live or die by a small number of policy tests. The most important of these is the concentration test: the council's supplementary planning guidance won't normally permit a new HMO if it would push the proportion of HMOs within a 50-metre radius above 20%. Twenty per cent is the line. Below it, the proposal is in play; above it, the council has a near-automatic refusal reason.

The numbers we had to work with

  • Within a 50-metre radius of the property, there are 26 residential properties.
  • Of those, 5 are recorded as HMOs in the council's licensing register.
  • That equates to 19.2% — just under the 20% threshold.
  • If this property is approved, the figure becomes 23.1%, which exceeds the cap and would set a precedent the council would have to defend.
  • Including the proposal in the count is the standard methodology, so the way the figures land is the difference between approval and refusal.

The planning case

The honest answer was that a six-bedroom HMO at this location was always going to struggle. It tipped the area over the concentration cap, it strained the parking standard for the size of property, and the internal space standards for a six-bed HMO would have required substantial reconfiguration even before any neighbour amenity arguments. The risk of refusal at six bedrooms was high.

But there is a route through. The council's policy doesn't automatically catch a five-bedroom HMO — particularly if it can be demonstrated that the property meets the internal space standards comfortably, that parking provision is adequate within the existing curtilage, and that the impact on neighbour amenity is manageable. The five-bedroom version of the same property is a meaningfully different planning proposition.

The strategy

Our advice to the landlord was clear and unsentimental: don't fight a losing battle on six bedrooms; downsize the proposal to a five-bedroom HMO and reapply on those terms. We are now preparing the full retrospective application package on that basis, including:

  • A detailed concentration analysis of HMOs within the 50-metre radius, set out in a way the case officer can verify against their own records
  • Existing and proposed floor plans that show the five-bedroom configuration meets the council's internal space standards for shared houses
  • A revised block plan showing parking provision and refuse storage in compliance with the supplementary guidance
  • A planning, design and access statement that walks through every relevant Local Plan and SPD policy and demonstrates compliance, point by point
  • A short cover letter to the enforcement officer confirming the route forward and requesting a stay of action while determination runs its course

The five-bedroom application is also a better long-term proposition for the landlord: smaller, easier to manage, less wear, more compliant, and far less likely to invite an enforcement headache in future.

The drawings

Alongside the planning statement, we prepared and submitted a full set of scaled architectural drawings — site location plan, block plan, and existing and proposed elevations and floor plans where relevant — giving the case officer a clear, accurate and measurable picture of the development to assess against policy.

The lesson for HMO landlords

Before you let a property as a shared house, find out whether your borough sits under an Article 4 direction. Many do. The 50-metre concentration test, the parking standards, the space standards and the amenity policies are all knowable in advance — and they are all the difference between a compliant investment and a council enforcement file.

Could your case be in the same place?

HMO enforcement in Article 4 areas is one of the fastest-moving areas of retrospective planning. The deadlines are short, the policy tests are unforgiving, and the right answer is almost always to act quickly and pragmatically rather than dig in. If you've had a letter, call us today.

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