.svg)
HMO Mortgages made easy
The UK's #1 HMO finance platform, for HMO mortgages, remortgages, bridging and development finance.
HMO Property Finance Types
Explore our range of specialized financing solutions for HMO properties
HMO Mortgage Lenders
Partner with specialist lenders who understand HMO finance
HMO Calculators
Calculate your HMO returns, costs and cashflow in seconds
Why Choose a Specialist HMO Broker?
See how a specialized HMO mortgage broker compares to a standard broker
Normal Mortgage Broker
Limited HMO experience
Lender Access
- Access to 3-5 HMO Lenders
- Slow Access to HMO Lenders
Experience & Knowledge
- Variable HMO Lending Experience
- Low/No HMO Property Knowledge
- No HMO Valuation Experience
Business Focus
- <3% Monthly Business as HMO
- 2-4 week processing times
theHMOMortgageBroker
Dedicated HMO expertise
Lender Access
- Access to 25+ HMO Lenders
- Priority Access to HMO Lenders
Experience & Knowledge
- 10+ years HMO Lending Experience
- Broad HMO Property Knowledge
- Vast HMO Valuation Experience
Business Focus
- 97%+ Monthly Business as HMO
- 48-72 hour processing times
Specialist
100% focus on HMO finance
Independent
Impartial with best advice
Fast
DIP within 2 hours
Agile
100% HMO Market Coverage
Featured HMO Rates
See a selection of our best HMO mortgage, remortgage, and bridging rates. For the full range, visit our rates page.
Important Notice: The rates displayed on this page are not currently correct and should not be used for decision making. Please for up-to-date rates.
| Lending | Term | Type | APR | Max LTV | Fees | Min Loan | Max Loan |
|---|---|---|---|---|---|---|---|
| HMO Mortgages | 2Yr | Fixed | 6.19% | 75% | £0 | £25K | £1.5M |
| HMO Mortgages | 2Yr | Discount | 5.58% | 75% | £1,999 | £25K | £1.5M |
| HMO Mortgages | 5Yr | Fixed | 5.89% | 75% | 0–1.5% | £25K | £1.5M |
| HMO Mortgages | 2Yr | Tracker | 6.09% | 75% | 2% | £100K | £1M |
| HMO Mortgages | 5Yr | Fixed | 5.79% | 75% | £999 | £25K | £750K |
Success Stories
Real results for our HMO clients
Latest Blog Posts
Read the latest insights and tips from our blog
Frequently Asked Questions
Get answers to common questions about HMO mortgages
HMO development finance is a specialized form of funding designed to help property investors purchase and convert properties into Houses in Multiple Occupation (HMOs). This type of finance typically covers the purchase price and conversion costs, allowing investors to create rental properties with multiple tenants. The loan is usually short-term, ranging from 6 to 18 months, and requires the investor to have experience in property development or a solid business plan.
Most lenders offer up to 75% of the total project costs, including purchase and renovation expenses.
You typically need a business plan, proof of income, property details, and projected rental income.
An HMO remortgage involves switching your existing HMO mortgage to a new lender or product, typically to secure better interest rates, release equity, or improve loan terms. This process can help investors optimize their portfolio's financial performance by reducing monthly payments or accessing additional capital for further investments. HMO remortgages often require updated property valuations and rental income assessments.
Consider remortgaging when your fixed rate ends, you need to release equity, or better rates are available.
Typical fees include arrangement, valuation, legal fees, and possible early repayment charges.
HMO remortgages typically take 4-8 weeks from application to completion, depending on the lender and your circumstances. The process includes property valuation, legal work, and lender processing time.
You'll need proof of income, property details, current mortgage statements, HMO license, rental income evidence, and bank statements. Additional documents may include business accounts if you're a limited company.
Most lenders require a valid HMO license to approve a remortgage. If your license has expired, you'll need to renew it before applying. Some lenders may accept proof that renewal is in progress.
Most lenders allow you to release up to 75-80% of the property's current value, minus any existing mortgage balance. The exact amount depends on your property's value, rental income, and lender criteria.