Landlord Guide · HMO

How Much Does It Cost to Furnish an HMO?

Real 2026 prices per room, what to budget for communal areas, a worked five-bed example – and the hidden costs of doing it yourself.

Published 12 October 2026 · 6 min read · By the Your Property Furnished team

Key takeaways

  • A complete, installed HMO bedroom pack costs from £679 + VAT per room with us.
  • Budget separately for the communal lounge, dining area and kitchen essentials.
  • Delivery, assembly, installation and packaging removal are included in our prices.
  • Lease finance lets you spread the cost over 3–5 years (subject to status).

HMO furniture cost per room

The biggest part of your budget is the bedrooms. Every one of our HMO ranges is built to the same hard-wearing specification – the difference is the finish and style. Prices are for a complete bedroom (bed base, headboard, mattress, wardrobe, chest and bedside), delivered and installed:

HMO rangeRoom price fromStyle
Classic£679 + VATTimeless, blends contemporary and traditional
Classic Premium£699 + VATUpgraded colours and handles
Bora£719 + VATStylish, modern
Haus Kraft£729 + VATContemporary
Leona£729 + VATHip and on-trend
Pietra Griega£759 + VATStriking marble effect
Herringbone£759 + VATTextured, warm
Scandi£799 + VATLight Scandinavian look
Linear£799 + VATBold statement design

Prices correct at October 2026 – see our HMO furniture packs page for the latest.

Communal areas and extras

On top of the bedrooms, budget for:

  • Lounge – sofas or chairs with a seat for each tenant, coffee table and TV unit
  • Dining – a table and chairs, or bar stools at a breakfast bar
  • Kitchen essentials – kettle, toaster, microwave, pans, crockery and cutlery. Our kitchen and electrical pack covers the basics
  • Bathroom pack – bathmat, bin, toothbrush holder, soap dish and toilet brush from £49 + VAT
  • Bedding – optional for HMOs, from £89 + VAT per single set

Communal furniture varies a lot with the size of the house and the look you want, so we price it as part of your quote.

Worked example: a five-bed HMO

A typical five-bedroom HMO furnished with our Classic range:

ItemCost
5 × Classic HMO bedroom packs at £679£3,395 + VAT
Communal lounge, dining and kitchen essentialsQuoted to suit the property
Delivery, assembly, installation and packaging removalIncluded

Switching to a range such as Scandi or Linear adds £120 per room – about £600 for the house – and can help you justify a higher room rent in a competitive area.

Oak effect HMO bedroom furniture with double bed, wardrobe and chest of drawers
Coordinated furniture across every room makes your listing photos – and your HMO – look professional.

The hidden costs of doing it yourself

Buying flat-pack furniture room by room can look cheaper on paper. The costs that don't show up on the receipt:

  • Empty rooms – every week a room isn't ready is a week's rent lost. Five rooms at £600 a month is roughly £690 of rent a week.
  • Your time – ordering, waiting in for deliveries, assembling and getting rid of packaging can take days.
  • Durability – retail flat-pack often needs replacing within a year or two of HMO use.
  • Mismatched rooms – buying from several places rarely looks as good in photos as a coordinated range.

We deliver and install a whole HMO in a single visit and take all the packaging away, so you can photograph and advertise the property straight away.

Spreading the cost

You don't have to pay for everything up front. Through our lease finance partner you can spread the cost of your furniture over 3 to 5 years, subject to approval – keeping cash free for the refurbishment. See finance options.

Frequently asked questions

How much does it cost to furnish an HMO room?

Our complete HMO bedroom packs start from £679 + VAT per room for the Classic range, up to £799 + VAT for Scandi and Linear. Delivery, assembly and installation are included.

Is HMO furniture tax deductible?

Replacing furniture in a let property can usually be claimed through Replacement of Domestic Items Relief, but the cost of furnishing a property for the first time usually can't. Speak to your accountant about your own situation.

Can I pay for HMO furniture monthly?

Yes. Our lease finance partner lets you spread the cost over 3 to 5 years, subject to approval.

How quickly can you furnish an HMO?

Our team delivers and installs the whole property in a single visit and removes all packaging, so the house is ready to photograph and let the same day.

Get a price for your HMO

Tell us how many rooms you have and the look you want – we'll send an itemised quote, usually the same day.