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HMO Mortgage Blog

Latest insights, guides, and updates about HMO mortgages, property investment, and the UK housing market.

All Articles(233)HMO Mortgages(70)HMO Remortgages(9)HMO Development Finance(7)HMO Bridging Finance(11)Limited Company HMO Mortgages(6)Commercial HMO Mortgages(10)

233 articles found

SPV vs Personal Name for HMO Investment: Which Structure is Better? - HMO mortgage guide illustration

HMO Mortgages

SPV vs Personal Name for HMO Investment: Which Structure is Better? (2026)

SPV or personal name for your HMO? Side-by-side comparison of tax, mortgage rates, lending criteria, and long-term strategy for HMO property investors.

HMO Mortgages

1 minDavid Sampson20 Mar 2026

HMO Mortgages

Specialist vs High Street Lenders for HMO Mortgages

Should you use a specialist lender or a high street bank for your HMO mortgage? We compare criteria, rates, flexibility, and approval odds to help you choose the right lender for your HMO investment.

HMO Mortgages

1 minDavid Sampson20 Mar 2026

HMO Mortgages

Limited Company HMO Mortgage Rates: What You’ll Pay in 2026

Current limited company HMO mortgage rates from 4.8%. How company rates compare to personal name, what affects your rate, and the true cost of borrowing through an SPV.

HMO Mortgages

1 minDavid Sampson20 Mar 2026

HMO Mortgages

How to Negotiate a Better HMO Mortgage Rate

Practical strategies to secure a lower HMO mortgage rate, from improving your LTV and credit profile to leveraging specialist brokers, timing your application, and negotiating fees. UK-focused guide for HMO landlords.

HMO Mortgages

1 minDavid Sampson20 Mar 2026

HMO Tax Guide: Section 24, Corporation Tax & CGT for HMO Landlords - HMO mortgage guide illustration

HMO Mortgages

HMO Tax Guide: Section 24, Corporation Tax & CGT for HMO Landlords (2026)

Complete HMO tax guide covering Section 24 mortgage interest relief, corporation tax for limited company HMOs, capital gains tax, and allowable expenses. Worked examples for HMO investors.

HMO Mortgages

1 minDavid Sampson20 Mar 2026

HMO Refurbishment Mortgage Rates & Costs Explained - HMO mortgage guide illustration

HMO Mortgages

HMO Refurbishment Mortgage Rates & Costs Explained (2026)

HMO refurbishment finance rates from 0.55% pm bridging to 4.5%+ exit mortgages. Full cost breakdown of financing your HMO conversion or renovation project.

HMO Mortgages

1 minDavid Sampson20 Mar 2026

HMO Refurbishment Finance: How to Fund Your HMO Project - HMO mortgage guide illustration

HMO Mortgages

HMO Refurbishment Finance: How to Fund Your HMO Project (2026)

Complete guide to financing HMO refurbishment — bridging loans, development finance, and remortgage options. Rates, lender criteria, and how to structure your HMO project funding.

HMO Mortgages

1 minDavid Sampson20 Mar 2026

HMO Refurbishment Costs: Complete Budgeting Guide - HMO mortgage guide illustration

HMO Mortgages

HMO Refurbishment Costs: Complete Budgeting Guide (2026)

Itemised HMO refurbishment costs from £15k to £100k+. Room-by-room budgets, fire safety compliance costs, en-suite additions, and how to avoid overspending on your HMO project.

HMO Mortgages

1 minDavid Sampson20 Mar 2026

HMO Mortgages

HMO Mortgage Rate Trends: What to Expect in 2026

A comprehensive look at HMO mortgage rate trends for 2026, covering Bank of England forecasts, swap rate movements, lender pricing shifts, and what HMO landlords should plan for across fixed, variable and tracker products.

HMO Mortgages

1 minDavid Sampson20 Mar 2026

HMO Mortgages

HMO Mortgage Affordability: How Lenders Calculate What You Can Borrow

A detailed guide to HMO mortgage affordability. Covers how lenders assess rental income, ICR calculations, personal income requirements, portfolio stress tests, and practical tips to maximise your borrowing power.

HMO Mortgages

1 minDavid Sampson20 Mar 2026

HMO Mortgages

Fixed vs Variable Rate HMO Mortgages: Which Is Better in 2026?

Comparing fixed and variable rate HMO mortgages for 2026. Covers current rates, pros and cons of each, how the Bank of England base rate affects your decision, and which option suits different HMO investment strategies.

HMO Mortgages

1 minDavid Sampson20 Mar 2026

HMO Mortgages

How to Choose the Right HMO Mortgage Lender in 2026

A practical framework for choosing the right HMO mortgage lender. Covers experience requirements, LTV limits, stress tests, fees, and what to prioritise for your investment strategy.

HMO Mortgages

1 minDavid Sampson16 Mar 2026

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