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Mortgages for HMO Property with Multiple Flats in One Freehold Title

HMO Mortgages for Multiple Flats

The mortgages listed below can accommodate multiple flats, bedsits and studio flats within a single freehold title. In some cases, this will extend to multiple units within a leasehold title, as with flats above a shop.


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Situational Profile

Generally for experienced landlords looking to expand their portfolio, or raise capital from an existing property. However there are also options for applicants who are homeowners and looking to buy an investment property for the first time. Any size property can be mortgaged and there are lending options for properties anywhere in England, Scotland & Wales.

Properties with multiple flats within a single freehold title
Bedsits and studio flats also considered
Expats welcomed
Any number of self contained units in the block


Applicant Profile

Applicants should have owned their main residence, or an investment (BTL or HMO) property for at least 12 months. Applicants should be able to demonstrate a good level of personal income and have good net worth. A clean credit history is required, but not essential in some circumstances

UK passport or UK driving licence for ID
Evidence of deposit funds (bank statement)
Able to provide proof of income; employed, self employed
No minimum income requirements in some cases
Some adverse credit may be acceptable
Applicants can be employed, self employed, or retired
Previous letting experience for properties with 4 flats
Applicants should be a homeowner

Types of Property

Blocks of flats, or studio apartments with any number of letting units. Purpose built blocks, or conversions and new builds all acceptable. Mortgages available for the single freehold title, therefore individual leaseholds are not required.

Property in England, Scotland & Wales
Blocks of flats
Studios with a floor area of less than 30 sq m
Purpose built blocks
Single freehold title
Individual leaseholds not required
Corporate tenant such as local housing authority accepted


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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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HMO’s (max 8 rooms) including studios/flats/rooms. Licensed HMO or non-licensed HMO properties.
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HMO’s (max 8 rooms) & student lets (max 8 rooms).
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properties that conform to HMO status (5 or more tenants)
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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.