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Loans from £150,000 to £30 million

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HMO Finance

A specialist HMO mortgage is a type mortgage that is available to HMO (house in multiple occupation) or multi-let properties. Unlike standard BTL mortgages, this type of financing solution allows you to let a property to multiple tenants. This also means you can get access to multiple income streams, which can often remain limited with a single BTL property. 

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Small HMOs (four to five bedrooms) properties can only get you so far, but if you’re hoping to generate a healthy income, a larger HMO (six to eight bedrooms) is exactly what you need. 

If you’re a property professional looking to secure finance for a LHMO, you’ve come to the right place. Whether you’re looking to purchase student accommodation, a property for workers or bedsit, we’re here to help you find the best HMO finance package.

HMO Mortgage Criteria

HMO’s of 6 - 8 Bedroom:

  • Prior Landlord experience with BTL’s or smaller HMO’s preferred. Previous HMO experience of 6 – 8 Bed not required.
  • Private or SPV borrowing vehicle 
  • Max LTV 85% (or 100% with additional security)


HMO’s of over 8 Bedrooms:

  • Prior experience with HMO’s of over 6 Bedrooms. Preferably experience of successfully operating more than 1 year.
  • Or Previous Portfolio Landlord Experience with multiple properties.
  • Max LTV 85% (or 100% with additional security)


Using your home as security?

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. 

If purchasing an investment property, we recommend you seek independent legal advice.

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