The Mortgage Cafe

Mortgages for HMO Properties with Multiple Flats in One Freehold

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.


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

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

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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