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Our trusted lender partners offer access to thousands of mortgage deals across the UK market

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What is an HMO Mortgage?

An HMO mortgage is a loan designed for properties let out to multiple tenants who share common facilities such as kitchens or bathrooms. HMOs often deliver higher rental yields compared to standard buy-to-let properties, making them a popular choice for landlords looking to maximise returns.

These mortgages are commonly used for student lets, young professionals, or shared housing where tenants rent rooms individually. Because HMOs are more complex to manage and assess, lenders have specific criteria when approving applications.

HMO Mortgages Made Simple

Our partner brokers work with lenders who specialise in Houses in Multiple Occupation. Whether you’re converting a property, refinancing an existing HMO, or expanding your portfolio, we’ll help you compare competitive deals tailored to your investment strategy.

This service is completely FREE and comes with no obligation.

Specialist HMO Lenders

Access deals from UK lenders who understand the complexities of Houses in Multiple Occupation.

Tailored Finance Options

Whether for student lets, young professionals, or multi-tenant housing, get mortgage solutions built for your HMO strategy.

Expert Broker Support

Work with FCA-regulated brokers who can guide you through HMO lending criteria and secure the best available rates.

We work only with FCA-regulated mortgage brokers, giving you peace of mind that your details are safe and your enquiry will be handled quickly and professionally.

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Our Promise to You

Free, transparent, and built around your needs.

Our service is completely free to use. If you choose a mortgage from one of our partners, we may receive a commission — but our priority is always to provide clear, unbiased guidance so you can make the right decision for your investment.

process

A Simple, Stress-Free Process

No obligation. No hidden costs. Just expert help.

1. Share your property details and finance goals

2. Get matched with a specialist broker who understands your needs

3. Receive tailored mortgage options and ask questions before you decide

Find the Best HMO Mortgage Rates Today

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FAQS

What is an HMO? +
A House in Multiple Occupation (HMO) is a property let to multiple tenants who share kitchens or bathrooms.
Do I need an HMO licence? +
Most HMOs require a licence from the local council, particularly if 5+ tenants from different households live there.
How much deposit do I need? +
Typically 25–40%, with larger deposits required for bigger HMOs.
Do I need landlord experience for an HMO mortgage? +
Yes, most lenders want at least 12 months of landlord experience before considering an HMO application.
How do lenders calculate rental income? +
Some use the total gross rent; others stress-test using single AST assumptions.
Are HMO mortgages more expensive? +
Yes, interest rates and fees are usually higher due to perceived complexity and risk.
Can I finance an HMO through a limited company? +
Yes, most HMO lenders accept applications through SPVs.
Can I remortgage an HMO to release funds? +
Yes, refinancing is a common way to expand portfolios.
What documents do I need? +
ID, proof of income, rental accounts, HMO licence (or evidence of application), and tenancy agreements.
How big can an HMO be? +
There’s no upper limit, but larger HMOs (7+ tenants) often require more specialist lenders.
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