ENVISION INVESTMENT GROUP
Built for Investors. Designed for Living
"The Complete HMO Investment"
Envision Investment Group was established to raise the standard of HMO investment in the UK. Our approach goes far beyond typical deal sourcing, we deliver a fully integrated, end-to-end service that combines strategic insight with hands-on delivery.
From sourcing and acquisition to planning, refurbishment, and ongoing property management, we take full ownership of the investment journey. Every project is approached with precision and professionalism, ensuring our clients receive more than just a property, they gain a high-performing, fully compliant asset supported by expert guidance and a trusted long-term partnership.
WHY HMOS OUTPERFORM TRADITIONAL BUY TO LETS
~ HIGHER RENTAL INCOME
One property, multiple income streams. Renting by the room generates significantly more monthly rent than a single-family let, driving higher yields.
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~ STRONGER CASH FLOW
With increased rental income and efficient management, HMOs typically deliver superior monthly cash flow, even after accounting for utilities and operating costs.
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~ BETTER ROI
When structured correctly, the returns on capital employed (ROCE) in an HMO far exceed those of traditional buy-to-lets.
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~ INCREASED DEMAND
Rising living costs and lack of affordable housing continue to drive demand for quality shared accommodation, especially among professionals and students.
~ REDUCED RISK OF TOTAL VOID
If one tenant moves out, the property is still producing income from the remaining rooms, unlike a BTL which may drop to £0 when vacant.
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~ FORCED EQUITY
HMOs can often involve refurbishments or layout changes, giving you greater control over adding value and refinancing at a higher valuation.
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~ COMMERCIAL OR HYBRID VALUATION
Unlike standard BTLs (valued on comparables), larger or well executed HMOs can be valued based on income, boosting refinancing options and equity growth.
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~ FASTER PORTFOLIO GROWTH
With higher cash flow and refinancing potential, investors can recycle capital faster and grow their portfolio quicker than with standard BTLs.
HMO (House in Multiple Occupation) properties offer strong rental yields, diversified income, and growing tenant demand, making them one of the most resilient and profitable asset classes in today’s market.
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Driven by affordability pressures and lifestyle shifts, demand for shared living is rising. Well-managed HMOs not only deliver excellent returns but also meet essential housing needs. With multiple tenants under one roof, they generate higher monthly cash flow than traditional buy to lets and reduce the risk of full vacancy.
Strategic conversions and quality refurbishments can significantly boost property value, allowing investors to release capital and scale their portfolios faster than many other strategies.
WHY INVEST IN AN HMO
THE UK'S ECONOMIC LANDSCAPE
In 2025, the UK's economic landscape is significantly influencing the housing market, contributing to the rising popularity of Houses in Multiple Occupation (HMOs) and co-living arrangements. Here are key economic factors driving this trend:​
See Below
ESCALATING RENTAL COSTS
Despite an increase in available rental properties, average rents have reached record highs. Outside London, rents have risen to £1,349 per month, while in London, they have edged up to £2,698. This surge is attributed to a persistent supply-demand imbalance in the rental market. ​
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AFFORDABILITY CHALLENGES
Over the past five years, rents have increased by 40%, whereas wages have only risen by 28%, creating an "affordability ceiling" that pressures renters, especially in high-demand urban areas.
LANDLORD RETRENCHMENT
A significant number of landlords are exiting the rental market or reducing their portfolios due to regulatory changes and reduced profitability. This trend is leading to a decrease in rental supply, further exacerbating housing shortages. ​
REGULATORY PRESSURES
Upcoming legislative changes, such as the Renters’ Reform Bill and the abolition of Section 21 evictions, are increasing operational complexities for landlords, prompting some to reconsider their investment strategies. ​
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INTEREST RATE FLUCTUATIONS
While inflation has cooled to 2.6% by the end of 2024, mortgage rates remain elevated, with the average two-year fixed mortgage rate at 5.48%. This environment affects both landlords and potential homeowners, influencing decisions toward rental and shared living options.
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Regency Invest l UK Property Investment
GROWTH OF CO-LIVING DEVELOPMENTS
The co-living sector is expanding, with nearly 9,000 operational units and an additional 3,600 expected to complete in 2025. These developments offer affordable, community-oriented living spaces, appealing to young professionals and key workers.
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MEET THE TEAM
JAMIE
MANAGING DIRECTOR
With over 16 years of experience in the construction industry and a strong track record delivering residential projects, Jamie brings a wealth of practical knowledge to Envision Investment Group.
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He now applies this insight to identifying and delivering high-performing HMO opportunities, backed by deep knowledge and understanding of how to maximise return on investment through HMOs.
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As Managing Director, Jamie is involved throughout every stage of the investment journey, ensuring clients receive a comprehensive, five-star service from start to finish.
CHARMAINE
HEAD OF PROPERTY MANAGEMENT
Charmaine leads our Property Management department, bringing with her a professional background in mortgage finance and in-depth knowledge of HMO management.
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Her expertise ensures clients receive a high standard of service, with a strong emphasis on compliance, efficiency, and maximising rental returns.
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With a commitment to clear communication and operational excellence, Charmaine plays a key role in delivering a seamless, hands-off experience for our landlords and investors.