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Mortgages for Foreign Nationals Investing in UK Houses of Multiple Occupation (HMO)

HMO Mortgages Suitable for Foreign Nationals

Many foreign nationals are turning to the UK property market to invest their capital, Economic growth in some countries has been slow and unpredictable, while the UK has traditionally had a buoyant property market. Therefore UK property makes an ideal investment platform for foreign nationals and residents of EU member countries.


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Applicant Profile

Citizens from any country can be considered. Applicants should be in good employment, or self-employment/limited company, with a good level of income. Ideally, applicants should own other property, although this is not essential. A UK bank account will be required.

Employed or Self-Employed
Director of a limited company with a good level of income
UK Bank Account Required

Types of Property

Houses of Multiple Occupation (HMO) in England only are acceptable. Any size of property can be considered with maximum lending up to £10m. The minimum property value is £200,000 and the minimum loan size is £100,000

Houses of Multiple Occupation (HMO) in England only
Minimum property value is £200,000
Minimum loan size is £100,000
Maximum loan size is £10m


General Lending Guidelines for Expat HMO Mortgages

Mortgages are available for purchase, or remortgage. For properties being purchased at below market value, the maximum mortgage will be the lower of 85% of property value, or 70% of purchase price. No income proof is normally required, but applicants will need to provide evidence of deposit funds. Mortgages are on an interest only basis

Purchases or Remortgage
Interest only
No proof of applicants income required
Evidence of deposit funds required


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HMO & Student Lets (England only) This lender will allow all residential HMO properties.