The Mortgage Cafe

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

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

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.

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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