What Is an HMO Mortgage?

An HMO mortgage is for a house in multiple occupation, a property let to several tenants who are not one household, such as a shared house or student let. HMOs can earn stronger rental yields than a single let, but the funding process is often more complex.

Lenders look at the property, the number of rooms, any licensing, and your experience as a landlord. Fewer lenders offer HMO mortgages than standard buy-to-let, so specialist advice makes a real difference.

Expert HMO Mortgage Advice

A red-brick terraced property of the kind let as a house in multiple occupation.

From a small shared house to a large licensed HMO, we find the right lender for your project. From your first enquiry, we:

match you to lenders comfortable with HMOs, licensing and your experience
work with first-time HMO buyers and experienced portfolio landlords alike
structure the finance around the property and how you plan to let it

We are a leading specialist mortgage broker with access to an extensive range of lenders, including HMO specialists who work only through brokers, so your project is properly funded.

How It Works

A straightforward process designed around your circumstances - wherever in the world you are.

Free initial consultation

We understand your full circumstances - where you live, how you earn, what you want to buy and your timescales. We give you an honest picture before any formal process begins.

Lender selection & Agreement in Principle

We match your case to the right lenders from our specialist panel and obtain an Agreement in Principle - giving you confidence before you make an offer on a property.

Application & document support

We guide you through every document required - from income evidence to source of funds. We submit a complete, well-presented application to give you the best chance first time.

Mortgage offer & completion

Whether you're buying or remortgaging, we manage the entire process through to formal mortgage offer and co-ordinate with your solicitor towards completion.

HMO Mortgages