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HMO Mortgages

HMO Mortgages

⭑⭑⭑⭑⭑ 5-Star Award-Winning Mortgage Broker

Discover The Latest HMO Mortgage Rates from 2.94%

As an HMO landlord, you are always looking for ways to boost your profits, save money, expand your property portfolio and maximise your investment, all of this is exactly what our team of mortgage specialists are here to help with.

Whether you are considering a HMO (house in multiple occupation) in a personal name, limited company, trading business or an incorporation, we can help you discover the latest HMO purchase and remortgage rates, plus the latest industry insights.

Protect your yield with the right mortgage deal.

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The Buy to Let Broker HMO Mortgages

Rate Evaluation

Let us compare quotes for you, to maximise your investment earnings.  Access all lenders with one call utilising our in-depth knowledge, we ask the right questions to pinpoint the best options for you and your property portfolio.

HMO Heroes

Our experts know the HMO market inside and out, with years of experience in HMOs, Article 4 requirements and large Suis Generis HMOs. We can help you compare a huge range of deals in one and get you exclusive and semi-exclusive rates.

Claim Your Free Quotes

We keep things simple. Get your free no-obligation quote to see if you can save and discover the latest rates from a range of lenders across the market.  We have a deep understanding of HMO dynamics.

Explore HMO Mortgage Rates

You could be eligible for rates such as:

We ran a search to look at some of the best available rates in the market right now at a low loan-to-value (LTV). Of course, there are many ways in which we can look at new schemes for your bespoke situation, for example ‘total cost’ over the benefit period accounting for rate and fees. Please talk to us for a tailored illustration for your own requirements.

2-Year FIXED

3.08%

APRC - 9.7%
Subject to eligibility
Get in touch for a bespoke quote
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Rates correct as of 08/01/2024. Representative example: An interest-only mortgage of £125,00 payable over 15 years, initially on a fixed rate of 3.08% for 2 years. Following this a variable rate of currently 10.24% for the remaining term. This would require 24 monthly payments of £320.83, followed by 156 monthly payments of £1,015.62. The total costs payable over the full term would be £ 176486.34, made up of the interest plus £8,750.00 (Product Fee), £150.00 (Application Fee), £890.00 (Valuation Fee), £25.00 (Telegraphic Transfer Fee), £95.00 (Deeds Release Fee), £90.00 (Mortgage Exit Administration Fee) and £350.00 (Conveyancing Fee). The initial loan amount of £125,000 will be payable at the end of the loan term. The overall cost for comparison is 9.7% APRC representative.

5-Year FIXED

3.96%

APRC - 8.9%
Subject to eligibility
Get in touch for a bespoke quote
Learn more
Rates correct as of 08/01/2024. Representative example: An interest-only mortgage of £125,00 payable over 15 years, initially on a fixed rate of 3.96% for 5 years. Following this a variable rate of currently 10.24% for the remaining term. This would require 60 monthly payments of £412.50, followed by 120 monthly payments of £1,066.67. The total costs payable over the full term would be £ 167,392.90, made up of the interest plus £12,487.50 (Lender Fee), £180.00 (Application Fee), £1,115.00 (Valuation Fee), £35.00 (CHAPS Fee), £175.00 (Mortgage Exit Fee) and £650.00 (Lender Conveyancing Fee). The initial loan amount of £125,000 will be payable at the end of the loan term. The overall cost for comparison is 8.9% APRC representative.

WARNING – We have hundreds more schemes for you to consider.  These are just a couple of the products currently available, it’s highly likely that we are able to improve upon the above examples. Chat to one of the team to discover what rates are available to you that also suit the property you are looking to finance.

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Request HMO quotes today

Speak to one of our HMO mortgage advisers today to get industry insights on the latest HMO mortgage rates. Enter your details here and one of our HMO experts will be in touch shortly.

If you are in a real hurry, you can give us a call on 08009499410
to get your no-obligation free quote.

The Buy to Let Broker Steve, Rachel and Adam

Platinum Trusted Service Feefo Winner 2020, 2021, 2022, 2023 & 2024 ⭑⭑⭑⭑⭑

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The Buy to Let Broker Mortgage Awards

Our service has won awards. Lots of them.

Our mission is to deliver award-winning service to landlords across the UK, so we’re super proud to been recognised with a whole host of awards in Mortgage Strategy’s Best Broker for Buy-to-Let in 2022!

Get Expert Insights On HMO Mortgages

Some of the benefits of choosing an HMO Mortgage through us are:

We understand mandatory licencing, selective licencing, article 4. Larger Suis-Generis properties are a speciality.
Guaranteed rental schemes allowable.
Schemes for first-time landlords available.
You can split your void risk by letting by room. Individual or shared tenancies are workable.
You may be able to raise capital by remortgaging your HMO property, with competitive options available.
We can assist you with properties for students, professionals, Corporate lets and more.
You can finance properties at HMO licence application stage.
You can combat tax changes with higher-yielding property. You can secure Interest Only and flexible term lending.
Free valuation options could be available, if remortgaging.
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Looking to remortgage straight away?

If you are looking to refinance a property that you purchased less than 12 months ago, we may be able to help you release the funds you need with a day one remortgage.

It is well known that many lenders require you to have owned a property for a minimum of six to 12 months, but you may not have to wait.

Although only available through a limited number of lenders, our mortgage experts have the contacts and know-how to help identify suitable options for your portfolio to avoid unnecessary delays and allow you to release the cash you need, when you need it.

Real People. Real Success.

Feefo Platinum Trusted Service Winner 2020, 2021, 2022, 2023 & 2024! ⭑⭑⭑⭑⭑

Discover More From The HMO Experts

The Buy to Let Broker HMO Specialist Matt Wright

Let’s make a snap statement at this early stage; Looking for HMO finance in the past has not been as straightforward as you’d like.  New clients tell us this at every opportunity; time wasted struggling to get what they need from the market, despite being high-quality clients looking to finance high-quality HMO property. 

We’re sure we can turn your current experience on its head.  Yes, there are a vast array of hurdles to navigate, from both a lender criteria perspective and a legal perspective, but the expert team here at The Buy to Let Broker not only understand the market intimately but have open access to many facets of the HMO mortgage market – and we live for a challenge.

We’re HMO experts in every sense, and we’re decent people to deal with!  Even if we do say so ourselves.

Exclusive and Semi-Exclusive rates are readily available through our many specialist lender contacts.  Using our know-how, experience and our own dedicated underwriters at these lenders gets you within touching distance of every crease of lender criteria.

Smaller HMOs can be driven to traditional vanilla lenders at very low funding cost through us, however, if you leap to larger suis-generis HMOs and/or Ltd company funding, then finance costs whilst competitive, will increase because we’re heading to niche lenders.  Of course, this may open up a commercial valuation option with certain lenders.

HMO lending is often misunderstood from a legal standpoint whether it be mandatory licencing, article 4 provisions or certificates of lawful use.  With ourselves, you’ll find we quickly get to the nub of any hurdles and do our best to navigate them with aplomb, usually ironing out any possible issues at the inception of the case, all whilst experiencing our award-winning 5* service.

In pure finance terms – if you’re not getting enough from your existing lending route, either in terms of rates, know-how or service, it’s quite simple – speak to us, you have everything to gain and nothing to lose.

Either enquire online and we’ll call you back, or if you call us to get started right away.  We’d love to help.

Even More Reasons Why You Should Call Us Today

When dealing with a house of multiple occupancy there are many factors to consider but by using a specialist mortgage broker like us, you can save a lot of time, money and stress.

With one quick phone call to us:

You’ll get a 100% free quote that has all of our expert insights and guidance. There’s also zero obligation.

You’ll get human expertise backed by the latest tech. Not just an automated response.

We work with a wide range of buy-to-let lenders and worked with over 60 lenders last year.

You’ll get all of our specialist knowledge of the HMO market – including licensed and unlicensed HMO.

You may be able to borrow more.  We can give you access to a number of schemes that go past the normal limits.

You’ll get help to find a quality solicitor that is on the panel of the lender if needed.

You’ll get access to the real decision-makers – including underwriters, credit managers & senior personnel.

Your credit score is safe – there are no credit checks to get your free quote.

You’ll get mortgage quotes based on the true total cost, including the rate and all fees.

You’ll get access to exclusive & semi-exclusive schemes, not available to you direct.

You’ll get zero pressure from us. We’re here when you need us.

You’ll get a dedicated mortgage broker and the full support of our mighty case management team.

Get A Quick Free Quote With The Latest HMO Rates

Discover Why We’re Rated 5/5 by Landlords

Quick & easy to do – compare thousands of competitive HMO deals from a range of lenders in one and get a free quote. You can also chat to a specialist right away on 08009499410

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IMPORTANT INFO

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

Just like your home, your buy-to-let property may be repossessed if you do not keep up payments on your mortgage.

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