Find HMO mortgages

Rate Reverting Rate
Lender Fee Product
1.65% then 5.74% Fixed for 26 months 5.74% 60% £2534 Fixed 26 months Enquire
1.85% then 5.74% Variable for 24 months 5.74% 60% £234 Variable 24 months Enquire
2.00% then 5.74% Fixed for 26 months 5.74% 60% £1034 Fixed 26 months Enquire

You can quickly compare HMO mortgage rates

From application to payout, as specialist brokers we help and support landlords to find the HMO mortgages that best match your financial goals. 

Use the table above to see latest APR, loan to vlaue ammounts and details of early repayment charges. Then speak to an advisor to double check the lender criteria before you apply. 

HMO mortgage lenders and criteria

We have access to and built strong working relationships with a wide range of HMO mortgage lenders. 

HMO criteria are different to those for a standard buy-to-let mortgage. Talk to our team and be fully ready to make an HMO mortgage application for the best chance of approval. 

Our expert advisors will help you find HMO mortgages best suited to your financial requirements and future plans.

Summary of current HMO mortgage criteria

  1. borrow from £50,000 to £2 million
  2. borrow up to 80% loan-to-value
  3. unlicensed HMOs considered (the property may need to be in licensable condition and let on a single AST agreement)
  4. maximum of 20 self-contained units
  5. no limit on number of individual rooms (subject to other criteria)
  6. multiple kitchens considered
  7. individual rooms or joint and severally liable tenancy agreements
  8. tenants in receipt of housing benefit considered
  9. affordability tests can include rental for each room or flat

Read up on the information you need to know about being an HMO landlord Being an HMO landlord

What qualifies as an HMO property?

An HMO is a let property where three or more tenants from more than one household share facilities such as a bathroom or kitchen.

We can also source HMO mortgages for multi-unit properties. These are classified as anything from a semi-detached house split into two self-contained flats or a new purpose built block of 20 self-contained flats on one freehold title.

If capable of sale, each unit should have a minimum property value of £50K.

HMO funding can be difficult to get; let us help you 

Our team differentiate themselves from the competition by offering our customers:

  • a choice of fixed and tracker HMO rates
  • quick turnaround
  • decision in principle often within two hours

It is becoming more common for people to choose to live in shared accommodation, especially young professionals based in cities. With exceptional rental returns, landlords are being increasingly attracted to this sector, although funding can be very restrictive.

Our expert team have a sound knowledge of the specialist buy-to-let sector, including HMO lenders. We can source a competitive deal for your HMO finance.

HMO remortgages

Contact our team for rates and repayments on HMO remortgage products. We have access to many lenders who can help.

To get in touch, simply submit your details using the link below, or call us for free on the telephone number at the top of this page.

Interested in an HMO mortgage? Click here to enquire

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