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HMO Mortgages

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HMO Mortgages

HMO Mortgage Rates from 1.22%

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The Buy to Let Broker HMO Mortgages

Get Advice From The HMO Experts

Understandably many landlords have moved toward HMO mortgages over the last few years to enable higher yields and maximise profits. 

That being said, having a multi-tenanted property may seem complex at first. But with the right advice, getting not just a good HMO mortgage, but a great HMO mortgage can be quick and easy.

As a whole of market Buy to Let specialist, that’s just what we can do for you. Our team of mortgage experts know the HMO market inside and out, so with one phone to us, you can find the best mortgage to boost your profits further. 

This Week’s Best HMO Mortgage deals

TypePay RateUntilArrangement
LTV %Final rate (SVR)Maximum bedrooms?
Fixed1.22%2 years£1995604.44%5
Fixed1.62%5 years£1995604.44%5
Fixed3.05%2 years1% of the loan704.20%No Limit

Get The Inside Track On HMO Mortgages

Here are some of the benefits of choosing an HMO Mortgage:

  • You can secure larger mortgages up to £10m.
  • You can borrow for larger Suis-Generis properties.
  • You can borrow for properties for students, professionals, Corporate lets and more. 
  • Individual or shared tenancies can be considered.
  • Guaranteed rental schemes allowable.
  • Schemes for first-time landlords available.
  • You can finance properties at HMO licence application stage.
  • You can combat tax changes with higher-yielding property.
  • You can split your void risk by letting by room.
  • You can secure Interest Only and flexible term lending.
  • HMO property types include a block of flats, bedsits, Privately operated halls of residence, shared self-contained flats, cluster flats, lodgings and hostels. 

With any property, we strongly recommend that you seek professional tax advice as well. 

The Buy to Let Broker Mortgage Experts

In A Hurry? Talk To An HMO Expert Right Away

    How Mortgages work call

    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 advice and recommendations. There’s also zero obligation.
    • You’ll get human expertise backed by the latest tech. Not just an automated response.
    • You’ll get a true whole of market comparison – we work with every lender on the market.
    • You’ll get all of our unparalleled knowledge of the HMO market – including licensed and Unlicensed HMO.
    • You’ll get unlimited access to all HMO lenders.
    • You’ll get mortgage advice based on the true total cost, including rate and all fees.
    • You’ll get access to exclusive & semi-exclusive schemes.
    • 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 may be able to borrow more.  We can give you access to a number of schemes which go past the normal limits.
    • You’ll get access to the four major accountants and specialist conveyancing.
    • You’ll get zero pressure from us. We’re here when you need us.
    ‘Exceptional service, best I’ve ever had!’
    Quite an exceptional service, indeed probably the best service I’ve ever had from any organisation, including Apple! No property investor at any level should be without the support and expertise of The Buy to Let Broker. ~ Trusted Client
    ‘Client’s needs are always their priority.’
    I have dealt with The Buy To Let Broker for about 6 years and they have completed over thirty mortgages in that time. I am currently completing two mortgages and even through the difficulties presented by the Coronavirus lockdown they have remained extremely efficient and kept the pressure on both the Lender and my solicitor ~ Trusted Client
    ‘The best of the best‘
    Outstanding service. The best in the industry in my opinion. Market beating deals are made available through them, you would almost not believe it. I have now worked with them for many years including for both buy to let and residential owner-occupied financing. I would be lost today without this team. ~ Omair, London

    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

    Start Living Your Best Landlord Life

    Never accept an average mortgage, speak to one of our HMO mortgage experts today to get the inside track on the latest deals and lowest rates. To get started for free now, simply enter your details below and we will be in touch shortly.

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

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