Specialist

Buy To Let Mortgage For HMO Property

For Refinancing & Buying Property In The UK

Buy To Let Mortgage For HMO Property

Clifton private finance

We can help source buy to let mortgage finance for any HMO property in the UK

We offer an independent service for landlords who require HMO buy to let mortgage finance.
Our buy to let mortgage HMO service provides:
  • Buy to let mortgage expertise for UK HMO properties
  • We work with specialist HMO buy to let lenders
  • HMO Rates from 1.44% pa
  • Borrow up to £2 million
  • Loan to value up to 80%
  • Fast decision in principle
  • Interest roll up product options
  • Landlord light & heavy refurbishment finance available on attractive terms
  • UK Expat & Non UK National landlord HMO property mortgage finance available
  • We can help if you have multiple buy to let properties, HMOs, student lets and complex structures
Through our market knowledge we can deliver enhanced, bespoke or exclusive terms based on your requirements.  
Call our buy to let HMO team on 0203 900 4322 to discuss your requirements.
Recent

Property Finance Deals

£2M-plus bridge to buy new home plus rental property while awaiting sale of Sussex country house
Area
East Sussex
Capital Raised
£2.35M
Bridge finance for Channel Islands resident to build new Guernsey home
Area
Guernsey
Capital Raised
£800K
£2.6M 100% LTV residential bridging loan secured against 3 properties
Area
Kent
Capital Raised
£2.6M
£3.3M Remortgage of Large Multi-Unit Portfolio at Highest-Possible LTV
Area
Torquay
Capital Raised
£3.3M
Fast UK Mortgage for home purchase for returning British expat and foreign national partner
Area
Bristol
Capital Raised
£980K
Finish and exit for £1.95M barn development
Area
Sussex
Capital Raised
£605K

More Opportunities »

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Buy to let mortgage for HMO property

HMO Buy to Let Properties 

An HMO is a ‘House of Multiple Occupancy’ Mortgage; this is a specific type of mortgage that you will need in order to rent out a property to more than one household. Conversely, a standard buy to let mortgage contract will often put a limit on the number of different households which can live in one rental property. They will often also limit the tenants to just having one tenancy.

As with any other mortgage, you will need to meet the criteria for lending in order to secure a mortgage (this will include affordability, a credit check etc.). However, you may need to meet other criteria when applying for an HMO mortgage. Examples of things which lenders may ask about include:

  • Prospective rental income
  • The kind of tenants
  • Number of bedrooms
  • Number of kitchen areas
  • Whether or not there is a kitchen or bathroom
  • Whether or not there is a living room
  • Experience as a landlord
  • Experience as an HMO landlord

Our specialist mortgage service can help you secure the funding you need to purchase your ideal BTL property with an HMO, even if your situation is complicated. We can source funding for expats, non-residents, international buyers et al. 

Specialist HMO buy to let mortgage service providing:

  • Expert advice on houses in multiple occupation buy to let mortgage finance Up to £2 million
  • Advice on complex HMO buy to let portfolios
  • Access to banks that provide UK expat and non UK citizen buy to let mortgage solutions
  • Short and long term lending options
  • Professional service

 Recent Buy To Let Blogs:

What is top slicing in buy to let borrowing? »

How to get airBnB buy to let mortgage finance »

How to raise finance on multiple properties »

How to use a second charge mortgage to raise finance on your property portfolio »

Call us today to discuss your HMO loan requirements on 0203 900 4322
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Get in Touch

If you have any questions about our services or want to start making things happen please contact us