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

Million Pound Bridging Loan Across Two Country Homes with Drawdown Flexibility to Fund Classic Car Purchases
Million Pound Bridging Loan Across Two Country Homes with Drawdown Flexibility to Fund Classic Car Purchases
Area
East Sussex
Capital Raised
£1.7m
Residential mortgage for £20m Surrey home owned via overseas company with complex self employed income
Residential mortgage for £20m Surrey home owned via overseas company with complex self employed income
Area
Surrey
Capital Raised
£13m
£2.7m High LTV Purchase for Partner in US Equity Firm
£2.7m High LTV Purchase for Partner in US Equity Firm
Area
North East England
Capital Raised
£2.3m
90% LTV Mortgage on £2.8m Hertfordshire Home for Family Planning Future Relocation to the UK
90% LTV Mortgage on £2.8m Hertfordshire Home for Family Planning Future Relocation to the UK
Area
Hertfordshire
Capital Raised
£2.5m
Large Bridging Loan On Sussex Property While Waiting For Planning
Large Bridging Loan On Sussex Property While Waiting For Planning
Area
Sussex
Capital Raised
£1.5m
Switching Lenders Secures Best Rates For £1.65m Central London Property For US Law Partner
Switching Lenders Secures Best Rates For £1.65m Central London Property For US Law Partner
Area
Central London
Capital Raised
£1.2m

More Opportunities »

Contact Us

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
What Our

Clients Say

Latest

Property Finance Deals & Insight

Self Employed Mortgage - How to Improve your Chances of Getting One
Whether you're a company director or a sole trader, you've probably noticed that high-street mortgage lenders have tougher lending...
15-10-2021
fixed rate mortgage news
The Bank of England’s base interest rate could rise as early as December 2021 according to market predictions. And if they ...
14-10-2021
How to get a UK Mortgage with a foreign income
If you are a British expat working and living abroad and you are paid in a non-sterling currency, you may find it difficult t...
10-10-2021
How to get a uk expat mortgage
You're a British citizen, currently living and working outside the UK and earning in a non-sterling currency. But, you want to b...
06-10-2021
View More »
Get in Touch

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