Commercial Finance For HMOs


Commercial Finance For HMOs

Clifton private finance

We specialise in sourcing commercial finance for HMOs in the UK

As a specialist broker, we provide high quality commercial finance solutions for our clients.
  • Market leading rates from 0.44% pm
  • Up to 80% Loan To Value (100% with additional security)
  • From £50,000 to £25 Million
  • Terms  from 3 months
  • Interest roll up options
  • Same day agreement in principle
  • We can accept applications from individuals, limited companies, SPV's and offshore structures
  • Finance for residential, commercial including retail outlets, restaurants, cafes, guest houses and B&Bs, offices, warehouses, industrial units, factories, HMOs, nursing and care homes, investment properties, development land and buy to let property (portfolios and limited companies welcome)


2 Year Fixed

HMO Offer!

2.89% APR

Subsequent rate 5.50%

Product Fee  £995

As at 21st February 2020

Buy To Let

2 Year Fixed

Landlord Mortgage Offer

1.35% APR

Subsequent rate 4.74%

Product Fee £995

As at 21st February 2020


1 to 12 Months

Short Term

0.43% pm

Buying & Renovating


Auction Purchase

As at 21st February 2020

Contact Us

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

We pride ourselves on providing excellent service responsive to your needs.
Call us on 0203 900 4322 to discuss your requirements.

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Commercial Finance For HMOs

What Is An HMO

An HMO, also known as a house in multiple occupations, is defined as a property that is rented out to at least three people who are not from the same household, but share communal areas such as a kitchen and a bathroom. An example of an HMO is a student houseshare.

The same household is defined as a single person or members of a family who live together including:

Do I Need An HMO Licence?

If you are looking to rent out a property to five or more tenants who are not from the same household, then the property will be classified as a ‘large HMO’ and you will require a licence.  You can apply for an HMO licence from the property’s local council.

Commercial Finance For Non Licensed HMOs

Securing commercial finance for an HMO that does not require a licence is a simpler process than getting finance for an HMO that needs one.  There are some mainstream lenders that offer commercial finance for HMOs; however, traditional lenders tend to have rigid applications that take a long time to process.

If you need commercial finance for your HMO property, then it is advisable to contact a professional broker to find the best deal for your set of circumstances.

Commercial Finance For Licensed HMOs

Typically, commercial finance for licensed HMOs is more expensive and harder to obtain, as not all lenders are prepared to provide finance in this area.

It should be noted that the lenders who are willing to provide commercial finance for HMOs will often require a proven track record of successful HMO projects. Therefore, if you do not have the experience required, you may struggle to get the finance you need.

Although the majority of lenders require experience in HMOs, there are some lenders that are happy to provide commercial finance for licensed HMOs; these lenders often work through intermediaries such as finance brokers.

If you need commercial finance for an HMO, call us on 0203 900 4322 or complete our contact form above.
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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