The Mortgage Cafe

85% LTV HMO Mortgage with no ERC


Get a Personalised Quotation for this Product

85% LTV 2-year discount rate with no ERC

For more details about this product or to check if this will be suitable for you, call us on 0330 173 6570

HMOs up to 8 Rooms, or MUFBs up to 4x flats. No Early Repayment Charge

Maximum loan at 85% of property value on a 2-year discounted variable rate for licensed, or non-licensed HMO properties ( up to 8 letting rooms), or Multi-Unit properties with up to 4x flats. No minimum income requirements, but should have 6 months in current employment or 3 years trading for self employed. Applicants can be aged up to 85 years and the end of mortgage term. Applicants must have owned a current BTL or HMO for at least 12 months.



Pay Rate4.89%
Rate Description2 Year Discounted Variable Rate
Reverting RateSVR currently 6.83%
Expiry5 years
Security ChargeFirst charge basis
Maximum LTV85%
Minimum Property Value£117,650
Minimum Loan Size£100,000
Maximum Loan Size£750,000 to 85%
£3,000,000 to 80%
Maximum Mortgage Term35 years
Income RequirementsNo minimum income requirements
Accepted Property TypesHMO & Multi-Unit properties in England & Wales
Property Types Cont.Ex-council houses and flats accepted, (flats over some shops can be considered)
Tenancy TypesSingle or Multiple AST
Rental Stress Test160% @ 5.50%
Product Reference35058

Request Call Back

Available on-line at