Specialist

Buy to Let Mortgage Student HMO

For Remortgaging & Buying Property In The UK

Buy to Let Mortgage Student HMO

Clifton private finance

We can help source buy to let mortgage finance UK properties at market-leading rates for Student HMO properties

We offer mortgage finance service for buy to let Student HMO properties in the UK. 
Our HMO buy to let mortgage service provides:
  • Buy to let mortgages from £150,000
  • Exclusive rates from 2.79% APR
  • Advice on finance products available for HMO lending
  • First-time landlords welcome
  • Licensed and unlicensed HMOs
  • Funding solutions for portfolios with no limit on number of properties
  • Interest-only lending terms available
  • Refurbishment & short term finance options up to 100% LTV with additional security
  • Fast professional service. We understand that sometimes finance needs to be arranged quickly!

Buy To Let

Up to £750k

5.4% APR

2 Year Tracker (Remortgage)

Subsequent rate 5.55%

LTV - 75%

APRC 8.9%*

Product fee 3% 

Free Valuation

Early redemption charges

As at 11th January 2024

Buy To Let

Up to £1m

4.51% APR

5 Year Fixed (Purchase)

Subsequent rate 9.59%

LTV - 65%

APRC 8.1%*

Product Fee £3,999

£300 Cashback

Early redemption charges

As at 11th January 2024

Buy & Refurb

1 to 12 Months

0.55% pm

1 to 12 months

Purchase & refurb

LTV - 60%

Buying & Renovating

Conversions

Auction Purchase

As at 11th January 2024

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.


Through our market knowledge we can deliver bespoke terms based on your requirements.  
Call our buy to let team on  0203 900 4322 to discuss your requirements.
Recent

Property Finance Deals

Bridging Loan with Multiple Drawdowns Secured for 18-Bed HMO Conversion
Bridging Loan with Multiple Drawdowns Secured for 18-Bed HMO Conversion
Area
Kent
Capital Raised
£1.2m
HMO Mortgage for LLP to Secure Buy to Let in Swansea
HMO Mortgage for LLP to Secure Buy to Let in Swansea
Area
Swansea
Capital Raised
£300k
BTL Mortgage Based on Overseas Income for Expat in Taiwan
BTL Mortgage Based on Overseas Income for Expat in Taiwan
Area
Reading
Capital Raised
£585k
Buy To Let Mortgage With No Income For Penthouse In Leeds
Buy To Let Mortgage With No Income For Penthouse In Leeds
Area
Leeds
Capital Raised
£470k
Case Study: Securing £1.25m Buy to Let Mortgage for Development Finance Exit
£1.25m Buy To Let Mortgage Secured for Development Finance Exit
Area
Hatfield
Capital Raised
£1.25M
Large Property Portfolio Remortgage | 18 London BTL Properties Refinanced
London Landlord Remortgages 18 Properties on Same Day
Area
London
Capital Raised
£6.7m

More Opportunities »

Buy to Let Mortgage for Student HMO

First-time investors and experienced single-tenant landlords may be attracted by the attractive returns offered by a property with multiple tenants – also known as a multi-let, or a house in multiple occupancy (HMO). 

HMOs specifically for students can be an excellent way for landlords to ensure that their properties will never be shy of tenant applications; HMO rentals are the ideal living situation for students. 

The projected annual returns of 4-5% for a straightforward buy-to-let (BTL) can be doubled for a multiple-occupancy letting. Which is more than enough to persuade many landlords to tackle the additional licensing and finance requirements. But the finance issues may be more complex, and require specialist advice.

What's an HMO? 

A house in multiple occupation (HMO) is any rental property with shared facilities (such as bathrooms and kitchens) which is rented out to three or more people who aren’t part of a single "household" (usually a family). They’re what’s often known as a "house share": which is ideal for students during their university years - especially as parents can usually be used for guarantors, and students will be studying for a fixed-time frame. 

What many people refer to as an HMO is actually a Large HMO, which is a rental property with five or more tenants, where the tenants share toilet, bathroom or kitchen facilities.  

The rules defining large HMOs changed in October 2018: they previously applied only to properties of three storeys or more, but they now cover any household of five or more sharers, in two or more households.

What kind of tenancy agreement do I need to run an HMO?

Landlords can manage their HMO property by setting up one "joint and severally liable" agreement covering all the tenants, or using an individual contract for each tenant.

Joint contracts

Individual contracts

How profitable is an HMO?

Prospective landlords may see HMO properties advertised for sale offering “100%+ gross yields,” but you’ll need to be aware that the costs of setting up and running HMO properties are considerable, so the key figure is net yield.

HMO landlord costs include:

Profits may be maximised by running the property through a limited company structure: you’ll need to take advice from an accountant / financial adviser.

How to finance an HMO

There are nearly 40 lenders operating in the buy to let mortgage market, offering approximately 1,500 different mortgage products. Many of them can only be accessed by a broker engaged to act on your behalf.

What kind of finance do you need?

Lenders will have different criteria for the number of rooms in an HMO they will consider, and how the calculate the value of the property (usually as a combination of Bricks & Mortar and Investment value).

Our service provides creative finance solutions for landlords. 
Call us today to discuss your requirements on 0203 900 4322
What Our

Clients Say

Latest

Property Finance Deals & Insight

How Much Will My Mortgage Go Up in 2024
If you're remortgaging in 2024, your mortgage payments could go up by as much as £500 - £1000 a month.  For the ...
24-05-2024
Are mortgage rates going down
Inflation is at its lowest level in three years, and financial experts say mortgage rates mortgage rates could drop in June. Ac...
23-05-2024
Buying London Real Estate as a US Citizen
If you're interested in buying property in London as a US citizen, you're not alone. And if you're wondering how easy it is to get...
20-05-2024
How to Get a Limited Company Buy to Let Mortgage
Is it better to buy a buy to let property through a limited company or special purchase vehicle (SPV)?  Whether you're buyin...
17-05-2024
View More »
Get in Touch

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