Key benefits
Specialist HMO lenders
We work with lenders who understand the nuances of multi-let properties and HMO licensing.
Up to 75% LTV
Competitive loan-to-value ratios available across our panel of specialist HMO mortgage providers.
Licensed and pre-licensed considered
Whether your HMO licence is in place or applied for, we can find a suitable lender.
5+ bedroom properties accepted
Large HMOs with 5 or more bedrooms are welcome, we access lenders comfortable with larger properties.
Ltd company structures available
Purchase through an SPV for potential tax advantages, specialist lenders on our panel.
Experienced and first-time HMO investors
Whether this is your first HMO or you're expanding a portfolio, we have lenders to suit.
What makes HMO finance different
HMO properties, where 3 or more tenants share facilities, require specialist lenders as mainstream banks typically decline these applications.
Rental income is calculated per room rather than as a single tenancy, which often results in significantly higher yields but requires lenders who understand this model.
Local authority licensing requirements must be in place or applied for before most lenders will proceed. We'll guide you through what's needed.
What you need
- HMO licence or proof of application
- Property details and current/projected rental income per room
- Director details
- Existing portfolio schedule if applicable
Important: HMO mortgages are secured against property. Ensure you have the correct licensing in place for your local authority area before purchasing. Failure to obtain the required licence can result in fines and affect your ability to secure finance.
Important: Your property may be repossessed or a receiver of rent appointed if you do not keep up repayments on a loan or any debt secured against it.
Frequently asked questions
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