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HMO Mortgages

Rates from 1.80%

Understandably many landlords have moved toward HMO mortgages to enable higher yields and maximise profits given the landscape for landlords currently.  It also works from a tenants perspective since there is less rental stock being bought right now.  The Buy to Let Broker have seen huge strides in the quality of HMO’s over the last decade, with landlords like yourself appreciating the quality of the property does dictate the quality of the tenants available.

It’s no surprise that as a whole of market buy to let specialist, HMO’s are bread and butter to us and a large proportion of property we finance is multi-tenanted.

Get The Inside Track On HMO Mortgages

  • Larger Mortgages to £10m
  • Larger Suis-generis properties
  • Student, Professional, Corporate lets and more
  • 85% LTV – or more with additional security
  • Individual or shared tenancies
  • Guaranteed rental schemes allowable
  • Schemes for first time landlords available
  • Finance properties at HMO licence application stage
  • For your long term sustainability
  • Combat tax changes with higher yielding property
  • Split your void risk by letting by room
  • Property Tax Advice Essential

Why Use The Buy To Let Broker?

  • You benefit from human expertise backed by tech.
  • Our statistics prove our whole of market status.
  • Unparalleled knowledge in the HMO market.
  • Unlimited access to HMO lenders.
  • Advice based on true total cost including rate and all fees.
  • Intricate knowledge of ‘HMO’ and ‘portfolio landlord’ criteria.
  • Exclusive & semi-exclusive schemes.
  • Experience – it’s what we know and who we know.
  • Access to decision makers – underwriters, credit managers & senior personnel.
  • No credit checks to get qualified quotes to your inbox.
  • Borrow more.  We have a number of schemes which go past the normal limits.
  • Access to big 4 accountant and specialist conveyancing.
  • Zero pressure, digest your quotes in your own time.
  • We work and collaborate with you for the very best outcome each and every time.

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This Week’s Best HMO Mortgage deals

TypePay RateUntilArrangement
LTV %Final RateMaximum bedrooms?
Fixed1.80%2 years£1995605.09%5
Fixed2.79%2 years0.5%755.50%8
Fixed3.34%5 years£1995755.99%8

HMO Mortgages – the detail

Since October 2018, many more properties have fallen under the remit of a licenced HMO, this is down to the HMO definitions being more broadly defined than ever before – and many landlords have therefore found themselves needing to comply with these new minimum requirements.

The HMO mortgage market generally sits away from the usual vanilla Buy to Let space (there are one or two notable exceptions to this) more often than not, this can mean a new Licenced HMO lender is required…

Read More

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We’d strongly recommend that you take professional property tax advice prior to entering into any buy to let ventures.