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Featured Mortgages for Properties Let as Houses of Multiple Occupation

Some of the most popular HMO mortgages

We are often asked for mortgages for specific HMO properties that don’t quite fit the standard HMO model. These could be where studio apartments, or bedsits are located within the property alongside rooms to let. Alternatively, it may be where the property has been split into self contained flats all within the same freehold title (ie. no leaseholds).

 

Generally, we can find a lender, or choice of lenders, to accommodate all types of HMO properties. Contact us now to discuss your requirements and we will find you the most appropriate HMO mortgage from the whole market.

3.79% 5 Year Fixed Rate at 70% LTV Free Valuation

5-year fixed rate at 70% LTV with free valuation and generous rent cover

Interest rate of 2.31% fixed to 30/11/2024 for licenced HMO properties with 5 rooms. Applicants must be homeowners and experienced landlords. Lender fee of just £999 irrespective of loan size (max £500k). Product code 47210

Lenders Landlord Products with no Early Repayment Charges

Lenders Landlord Products with no Early Repayment Charges

Best landlord mortgage products that have no early repayment charges ( ERCs). These products provide an added degree of flexibility to landlords who may want to redeem the mortgage early, repay lump sums, or remortgage to raise additional capital before the end of the product rate period.

Product code: DSCR

3.69%

Lenders with Highest Loan for Rent Calculation

Lenders with Highest Loan for Rent Calculation

The rates we publish on this page are currently the best in the market offering the most generous rental calculation. Rental stress tests can make a big difference to the amount applicants may actually borrow.

Product code: DSCR

3.69%

 

75% LTV 5 Year Fixed 4.59% with no Minimum Income Requirements

75% LTV 5 Year Fixed 4.59% with no Minimum Income Requirements

75% LTV Mortgage for HMO property with 6 tenants or 5 flats in freeholdAttractive 5-Year Fixed Rate of 4.59% With No minimum income criteria This 4.59% 5 Year Fixed will provide 75% LTV on loans up to £500,000. Allows Multi Unit Freehold property configurations of up to 5 self contained units such as flats or studios within […] Product code: 3.69%

75% LTV 2 Year Tracker 3.69% with no Minimum Income Requirements

75% LTV 2 Year Tracker 3.69% with no Minimum Income Requirements

75% LTV Mortgage for HMO property with 6 tenants or 5 flats in freeholdAttractive rate of 3.69% (2 year tracker) with generous rental debt service ratio This 3.69% 2 Year Tracker will provide 75% LTV on loans up to £500,000. Allows property configurations of up to 5 self contained units such as flats or studios […] Product code: 3.69%

Large 25 Room HMO 75% LTV

Large 25 Room HMO 75% LTV

Tracker commercial mortgage for large multi unit HMOs. Maximum loan to value of 75% loans less than £500k with a pay rate of 4.75% over LIBOR for term of mortgage. Property may be held in SPV, purchases may be of an existing SPV to mitigate SDLT. Applicant does not have to have experience in running large Product code: HM21152 4.75%

Large 50 Room HMO 75% LTV

Large 50 Room HMO 75% LTV

Tracker commercial mortgage for large multi unit HMOs. Maximum loan to value of 75% with a pay rate of 4% over LIBOR for term of mortgage. Property may be held in SPV, purchases may be of an existing SPV to mitigate SDLT. Applicant does not have to have experience in running large Product code: …

100% Funding for Residential Development Projects

100% Funding for Residential Development Projects

100% Development funding for experienced builders and developers wanting a joint venture funding package this 100% JV provides the funding for 2 to 24 month term developments. Loans available for projects with GDV of £1.5m to £10m for development of mid ranged housing.

Product code: DF50144

4.99% 2 Year Discount Variable at 85% LTV no Minimum Income

4.99% 2 Year Discount Variable at 85% LTV no Minimum Income

2 year tracker rate at 85% LTV for single family dwelling residential investment with generous rental cover . Lender fee can be added to the mortgage and no early repayment charges. Family gifted deposit allowed. Product code: RL21118 4.99%

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