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Mortgages for HMO’s Let to Corporate Clients

HMO Mortgages Suitable for Corporate Clients

A corporate tenant can be a Local Authority, or Housing Association, who will usually take a lease to rent the property for a number of years and place their own tenants in the property. The corporate tenant could also be a Limited Company to use for its own employees, or overseas dignitaries. We have specialist lenders who will accept these organisations for corporate letting instead of individual tenants on Assured Shorthold Tenancy agreements (ASTs). The corporate tenant can either take a lease on the property for a number of years, or enter into a revolving 12 month contract, either would be acceptable. The occupants of the property can be of any status, but most lenders will not lend if asylum seekers are to be placed in the property.


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Situational Profile

For applicants wishing to buy or remortgage HMO properties for renting to a Local Authority, a Housing Association, or a company for its employees etc.

Corporate clients
Housing authorities
Housing associations


Applicant Profile

Applicants must be homeowners and be existing landlords although there is one lender who does not specify this. Professional landlords with any size of portfolio welcomed. Applicants must be employed, or self employed with a minimum personal annual income in the region of £20,000 per annum, or retired with a good pension income. A clean credit history is required, although minor and historic credit problems may be accepted.

UK citizens with passport UK Driving License as ID
Evidence of deposit funds ( Bank statement )
Proof of income; employed, self employed or pension
Clean credit history
Some minor and historic adverse credit can be considered
Applicants can be employed, self employed, retired
UK Bank account holder
Previous letting experience
Good level of provable personal income

Types of Property

Properties with any number of letting rooms are acceptable, with or without an HMO licence. Properties arranged as flats, studios and bedsits in one freehold or leasehold title, are also acceptable. Properties above commercial premises are acceptable

Single Residential Buy To Let Houses
Houses of Multiple Occupation (HMO)
Various tenant types accepted
HMO’s arranged as flats in one title
Single AST and multiple AST tenancy agreements accepted
Property in England, Scotland and Wales
Properties with or without an HMO Licence
Accommodation above commercial premises considered
En-suite facilities in rooms are accepted
Cooking facilities in rooms accepted
Shared kitchen and bathroom facilities accepted
HMOs with up to 20 letting units accepted
Mixed unit accommodation of flats, studios, bedsits
Properties arranged as flats, studios or bedsits


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Blocks of Flats, small Housing Developments, HMOs, BTL Houses & Flats, HMOs & Flats above commercial
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BTL’s, HMO’s with most accommodation types, including studios/bedsits/flats/rooms.
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HMO’s with most accommodation mixes, including studios/bedsits/flats/rooms let for all types of tenant
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HMOs including Student Lets, Flats in a single freehold, Retail Units, Factory Units, Industrial Units, Office Units
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HMO’s with most accommodation types, including studios/bedsits/flats/rooms.
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HMO & Student Lets (England only) This lender will allow all residential HMO properties.