Product Files for HMO Mortgages

Blocks of Flats, small Housing Developments, HMOs, BTL Houses & Flats, HMOs & Flats above commercial

BTL’s, HMO’s with most accommodation types, including studios/bedsits/flats/rooms. Properties.

HMO’s with most accommodation mixes, including studios/bedsits/flats/rooms let for all types of tenant.

HMO’s (max 8 rooms) including
studios/flats/rooms. Licensed HMO or non-licensed HMO properties.

HMO’s (max 8 rooms) &
student lets (max 8 rooms). Licensed HMO or non-licensed HMO properties.

This lender will lend on licensed HMO properties with 5 to 9 letting rooms.

All licensed HMO properties, plus properties that conform to HMO status (5 or more tenants
over 3 or more storeys)

HMOs including Student Lets, Flats in a single freehold, Retail Units, Factory
Units, Industrial Units, Office Units.

HMO’s with most accommodation types, including studios/bedsits/flats/rooms. Properties.

HMOs & Student Lets with max 5x Rooms for Students or Working Tenants
(England, Scotland, Wales & N.Ireland

HMO & Student Lets (England only)

Non-Licensed HMOs with max 4x Rooms for Student or Working Tenants
(England, Scotland, Wales)

Light/Medium/Heavy Refurbishment product for residential investment properties.

HMO-19 up to 75% LTV Lending Criteria (England & Wales)

HMO-19 up to 80% LTV Lending Criteria Ltd Co (England & Wales)

Residential Refurbishment Mortgage BTL & HMO
(England & Wales)

HMO Light Refurbishment Mortgage
(England, Scotland & Wales)

Single BTL & also for Students sharing (non-HMO)
England & Wales

BTL for single/family tenants & non-HMO student letting
(England, Scotland & Wales)