Commercial Mortgage For An HMO

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Commercial mortgage for HMO 

Clifton private finance

We specialise in arranging commercial mortgages to purchase or refinance Houses in Multiple Occupation

If you are looking to buy a property with the intention to rent it out to three or more people, who are not a part of the same household, you may need an HMO commercial mortgage.

Buying a property and renting it out may be an attractive opportunity and if you increase the number tenants in a property, you could maximise the potential profit.

  • We offer an independent broker service to those who need commercial finance for their HMO buy to let properties
  • Our strength as a specialist mortgage broker is providing access to high value mortgage finance
  • Finance for both licensed and unlicensed HMOs
  • We have expertise in HMO finance and can secure competitive HMO investment property loans including interest only HMO commercial mortgages
  • We are independent and have strong relationships with many commercial lenders including Lloyds, HSBC, Barclays, NatWest; as well as private banks, wealth managers and specialist lenders that are not available on the high street
  • Short term and long term lending options from 3 months to 30 years
  • Borrow up to 70% of the property value (in some cases this can be higher)
  • If you have assets that you would like to be leveraged as part of the transaction such as your investment portfolio, commercial property or pensions; our team can look at leveraging these assets to negotiate more flexible lending criteria and more favourable interest rates, to help you get the best deal
Call us on 0203 900 4322 to discuss you requirements.

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Commercial Mortgage For An HMO Service

Types of Commercial Mortgage

There are two types of commercial mortgages

Firstly there are owner-occupier commercial mortgages. These types of mortgages are usually used by business owners for remortgaging or purchasing commercial owner-occupied premises, for example office space. Commercial mortgage lenders generally provide up to 75% Loan to Value for an owner-occupier mortgage. 

Secondly there are commercial investment mortgages.These types of mortgages are generally used by those looking to invest in commercial property, such as a House in Multiple Occupation (HMO). Lenders usually provide up to 65% Loan to Value for a commercial investment mortgage.

Commercial Mortgage Service

Getting the right finance in place can be the difference between a profitable HMO project and an unsuccessful one.

Here at Clifton Private Finance, we strive to eliminate delays and provide the commercial finance our clients need fast, so that no attractive opportunities are missed.  

Our HMO commercial mortgage brokers can provide:

How to get a Commercial Mortgage for an HMO

The financial products on offer for HMO properties are complex and potentially confusing. In the absence of a deep knowledge of the financial services sector, it is advisable to contact a professional broker.

We can identify the best commercial mortgages available to you and arrange a financial solution that meets your HMO requirements.

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


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