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!

HMO

5 Year Fixed

HMO Offer!

3.79% APR

Subsequent rate 5% + BBR

75% LTV

Product fee: 1.5% of loan

As at 16th June 2022

Buy To Let

5 Year Fixed

Landlord Mortgage Offer

2.59% APR

Subsequent rate 4.99%

Purchase & remortgage

65% LTV

Product Fee: 2%

ERCs apply

As at 16th June 2022

Buy & Refurb

1 to 12 Months

Short Term

0.43% pm

60% LTV

Buying & Renovating

Conversions

Auction Purchase

As at 16th June 2022

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.
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More Opportunities »

Contact Us

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