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HMO Mortgages

The popularity of Houses in Multiple Occupation (HMO) properties has increased over recent years and with it the availability of specialist HMO mortgages. With greater potential for higher yields and higher monthly profits than traditional Buy to Lets, HMOs have become an appealing choice for many landlords. However, the HMO market is a specialist one and it’s important to understand the rules and regulations before taking the plunge.

CONTACT US FOR HELP WITH HMO MORTGAGES

We recommend you seek professional advice for the following:

Licensing

If you have a property with five or more tenants, from two or more separate households who share facilities, it’s likely you will require an HMO license and therefore an HMO mortgage. This must be checked with your local authority as they will make the final decision. If your HMO doesn’t require a license then you’ll need a multi-let mortgage.

Legal Obligations

The legal obligations for an HMO are more involved than a standard Buy to Let and cover areas such as the suitability of the property, maintenance requirements, gas safety checks, electrical & fire safety checks, planning and insurance.

Private Individual v Limited Company Ownership

There will be different financial and tax implications for your HMO depending on whether you operate as a private individual or a limited company.

Mortgage Criteria

As well as age, income and credit history, HMO mortgage lenders will consider factors such as property value and height, landlord experience and occupancy as well as kitchen and communal facilities.

Vincent Burch Mortgage Services offer HMO Mortgages advice and we are independent specialist mortgage brokers without ties to a restricted mortgage panel. This means we have access to more lenders and this enables us the opportunity to access typically better mortgage rates.

The products below are for properties with 5 bedrooms or less.  Rates for properties with 6 bedrooms or more can be found here.

85% LOAN TO VALUE
Product Fees Further info
Best Deal - 4.84%
5 year fixed rate
1.5% lender arrangement fee (can be added to the loan)
  • Considered property types include: freehold flat, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, flat over 4 storeys, listed building, new build.
  • Available to properties in England and Wales.
  • Rental calculation from 125% at 4.84%.

Subject to status and further lending criteria apply.

80% LOAN TO VALUE
Product Fees Further info
Best Rate - 3.84%
Best Rate - 3.84% 2 year fixed rate
2% lender arrangement fee
  • Interest only and repayment.
  • Maximum loan of £500,000.
  • Considered property types include: purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, concrete, flat over 4 storeys, new build.
  • Applicants from 21 to 110 years of age.
  • Available to properties in England, Scotland and Wales.

Subject to status and further lending criteria apply.

No Fees - 3.85%
5 year fixed rate
No lender arrangement fees
  • Limited company acceptable.
  • Free valuation and £350 cashback (subject to additional terms).
  • Considered property types include: purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, flat over 4 storeys, listed building, new build.
  • Available to properties in England, Scotland and Wales.

Subject to status and further lending criteria apply.

Best Deal - 3.85%
5 year fixed rate
No lender arrangement fees
  • Limited company acceptable.
  • Free valuation and £350 cashback (subject to additional terms).
  • Considered property types include: purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, flat over 4 storeys, listed building, new build.
  • Available to properties in England, Scotland and Wales.

Subject to status and further lending criteria apply.

75% LOAN TO VALUE
Product Fees Further info
Best Rate - 1.41%
Fixed until March 2024
£1995 lender arrangement fee (can be added to the loan)
  • Mortgage is portable.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, concrete, flat over 4 storeys, listed building.
  • Properties located in England, Scotland, Wales and Northern Ireland.
  • Maximum loan per property £1 million.
  • Foreign citizens considered.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.

No Fees - 1.97%
Fixed until March 2024
No lender arrangement fees
  • Mortgage is portable.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, concrete, flat over 4 storeys, listed building.
  • Properties located in England, Scotland, Wales and Northern Ireland.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.

Best Deal - 1.70%
Fixed until March 2027
£1995 lender arrangement fee (can be added to the loan)
  • Mortgage is portable.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, concrete, flat over 4 storeys, listed building.
  • Available to properties in England, Scotland, Wales and Northern Ireland.
  • Rental calculation from 125% at 4.50%.

Subject to status and further lending criteria apply.

70% LOAN TO VALUE
Product Fees Further info
Best Rate -1.41%
Fixed until March 2024
£1995 lender arrangement fee (can be added to the loan)
  • Mortgage is portable.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, concrete, flat over 4 storeys, listed building.
  • Properties located in England, Scotland, Wales and Northern Ireland.
  • Maximum loan per property £1 million.
  • Foreign citizens considered.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.

No Fees - 1.97%
Fixed until March 2024
No lender arrangement fees
  • Mortgage is portable.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, concrete, flat over 4 storeys, listed building.
  • Properties located in England, Scotland, Wales and Northern Ireland.
  • Maximum loan per property £1 million.
  • Foreign citizens considered.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.

Best Deal - 1.70%
Fixed until March 2027
£1995 lender arrangement fee (can be added to the loan)
  • Mortgage is portable.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, concrete, flat over 4 storeys, listed building.
  • Properties located in England, Scotland, Wales and Northern Ireland.
  • Rental calculation from 125% at 4.50%.

Subject to status and further lending criteria apply.

65% LOAN TO VALUE
Product Fees Further info
Best Rate - 1.41%
Fixed until March 2024
£1995 lender arrangement fee (can be added to the loan)
  • Mortgage is portable.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, concrete, flat over 4 storeys, listed building.
  • Properties located in England, Scotland, Wales and Northern Ireland.
  • Maximum loan per property £1 million.
  • Foreign citizens considered.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.

No Fees - 1.97%
Fixed until March 2024
No lender arrangement fees
  • Mortgage is portable.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, concrete, flat over 4 storeys, listed building.
  • Properties located in England, Scotland, Wales and Northern Ireland.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.

Best Deal - 1.70%
Fixed until March 2027
£1995 lender arrangement fee (can be added to the loan)
  • Mortgage is portable.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, concrete, flat over 4 storeys, listed building.
  • Properties located in England, Scotland, Wales and Northern Ireland.
  • Rental calculation from 125% at 4.50%.

Subject to status and further lending criteria apply.

60% LOAN TO VALUE
Product Fees Further info
Best Rate - 1.20%
Fixed until March 2024
£1995 lender arrangement fee (can be added to the loan)
  • Interest only and repayment available.
  • Mortgage is portable.
  • Free legals and valuation (additional terms apply)
  • New builds considered.
  • Available in England, Scotland, Wales and Northern Ireland.
  • Applicants from 25 to 80 years.
  • Remortgage only.
  • Rental calculation from 125% at 5.50%.
  • Foreign citizens considered.

Subject to status and further lending criteria apply.

No Fees - 1.85%
Fixed until March 2024
No lender arrangement fee
  • Interest only and repayment available.
  • Mortgage is portable.
  • Maximum loan per property £1 million.
  • Free basic valuation (subject to additional terms).
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, concrete, flat over 4 storeys, listed building.
  • Properties located in England, Scotland, Wales and Northern Ireland.
  • Foreign citizens considered.

Subject to status and further lending criteria apply.

Best Deal - 1.58%
Fixed until March 2027
£1995 lender arrangement fee (can be added to the loan)
  • Mortgage is portable.
  • Free valuation and £300 cashback (additional terms apply).
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, concrete, flat over 4 storeys, listed building.
  • Properties located in England, Scotland, Wales and Northern Ireland.
  • Foreign citizens considered.
  • Rental calculation from 125% at 4.50%.

Subject to status and further lending criteria apply.

When securing finance for a HMO property with 6 bedrooms or more, you may find the rates are higher. Please see a selection of products below we have available from our lenders.

85% LOAN TO VALUE
Product Fees Further info
Best Deal - 4.99%
2 year fixed rate
1.5% lender arrangement fee (can be added to the loan)
  • Interest only and repayment.
  • Maximum loan of £3 million.
  • Considered property types include: freehold flat, purpose built flat, converted flat, flat over shop, studio flat, maisonette, flat over 4 storeys, new build, listed building.
  • Applicants from 18 to 85 years of age.
  • First time landlords acceptable for 6 beds and under.
  • Available in England and Wales.
  • Private Name or ltd company accepted

Subject to status and further lending criteria apply.

80% LOAN TO VALUE
Product Fees Further info
Best Rate - 3.84%
2 year fixed rate
2% lender arrangement fee (can be added to the loan)
  • Interest only and repayment.
  • Maximum loan of £500,000.
  • Considered property types include: purpose built flat, converted flat, maisonette, flat over 4 storeys, new build.
  • Applicants from 21 to 110 years of age.
  • Available in England, Scotland and Wales. private name or ltd company accepted

Subject to status and further lending criteria apply.

Lowest Fees - 3.98%
2 year fixed rate
£1999 lender arrangement fee (can be added to the loan)
  • Ltd company or personal name acceptable.
  • Available on properties in England, Scotland and Wales.
  • Considered property types include: purpose built flat, converted flat, maisonette, thatched, flat over 4 storeys, listed building, new build.

Subject to status and further lending criteria apply.

Best Deal - 3.84%
2 year fixed rate
2% lender arrangement fee (can be added to the loan)
  • Interest only and repayment.
  • Maximum loan of £500,000.
  • Considered property types include: purpose built flat, converted flat, maisonette, flat over 4 storeys, new build.
  • Applicants from 21 to 110 years of age.
  • Available in England, Scotland and Wales. private name or ltd company accepted

Subject to status and further lending criteria apply.

75% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.29%
Fixed until March 2024
2% lender arrangement fee (can be added to the loan)
  • Up to 7 bedrooms.
  • Mortgage is portable.
  • Properties located in England, Scotland and Wales.
  • Portfolio and professional landlords accepted.
  • Foreign nationals considered.

Subject to status and further lending criteria apply.

No Fees - 3.29%
2 year fixed rate
No lender arrangement fees
  • Up to 6 bedrooms.
  • Applications in Ltd company or personal name accepted.
  • Properties located in England, Scotland and Wales.
  • Portfolio and professional landlords accepted.
  • Valuation fee is refunded upon completion (additional terms apply).
  • £500 cashback.
  • New builds accepted.
  • Rental calculation from 110% at 5.65%.

Subject to status and further lending criteria apply.

Best Deal - 3.29%
2 year fixed rate
No lender arrangement fees
  • Up to 6 bedrooms.
  • Applications in Ltd company or personal name accepted.
  • Properties located in England, Scotland and Wales.
  • Portfolio and professional landlords accepted.
  • Valuation fee is refunded upon completion (additional terms apply).
  • £500 cashback.
  • New builds accepted.
  • Rental calculation from 110% at 5.65%.

Subject to status and further lending criteria apply.

70% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.29%
Fixed until March 2024
2% lender arrangement fee (can be added to the loan)
  • Up to 7 bedrooms.
  • Mortgage is portable.
  • Properties located in England, Scotland and Wales.
  • Portfolio and professional landlords accepted.
  • Foreign nationals considered.

Subject to status and further lending criteria apply.

No Fees - 3.29%
2 year fixed rate
No lender arrangement fee
  • Up to 6 bedrooms.
  • Applications in Ltd company or personal name accepted.
  • Properties located in England, Scotland and Wales.
  • Portfolio and professional landlords accepted.
  • Valuation fee is refunded upon completion (additional terms apply).
  • £500 cashback.
  • New builds accepted.
  • Rental calculation from 110% at 5.65%.

Subject to status and further lending criteria apply.

Best Deal - 3.29%
2 year fixed rate
No lender arrangement fees
  • Up to 6 bedrooms.
  • Applications in Ltd company or personal name accepted.
  • Properties located in England, Scotland and Wales.
  • Portfolio and professional landlords accepted.
  • Valuation fee is refunded upon completion (additional terms apply).
  • £500 cashback.
  • New builds accepted.
  • Rental calculation from 110% at 5.65%.

Subject to status and further lending criteria apply.

65% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.29%
Fixed until March 2024
2% lender arrangement fee (can be added to the loan)
  • Up to 7 bedrooms.
  • Mortgage is portable.
  • Properties located in England, Scotland and Wales.
  • Portfolio and professional landlords accepted.
  • Foreign nationals considered.

Subject to status and further lending criteria apply.

No Fees - 3.19%
Fixed until March 2024
No lender arrangement fees
  • Up to 7 bedrooms.
  • Mortgage is portable.
  • Properties located in England, Scotland and Wales.
  • Portfolio and professional landlords accepted.
  • Foreign nationals considered.

Subject to status and further lending criteria apply.

Best Deal - 3.29%
2 year fixed rate
No lender arrangement fees
  • Up to 6 bedrooms.
  • Applications in Ltd company or personal name accepted.
  • Properties located in England, Scotland and Wales.
  • Portfolio and professional landlords accepted.
  • Valuation fee is refunded upon completion (additional terms apply).
  • £500 cashback.
  • New builds accepted.
  • Rental calculation from 110% at 5.65%.

Subject to status and further lending criteria apply.

60% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.29%
Fixed until March 2024
2% lender arrangement fee (can be added to the loan)
  • Up to 7 bedrooms.
  • Mortgage is portable.
  • Properties located in England, Scotland and Wales.
  • Portfolio and professional landlords accepted.
  • Foreign nationals considered.

Subject to status and further lending criteria apply.

No Fees - 3.19%
Fixed until March 2024
No lender arrangement fees
  • Up to 7 bedrooms.
  • Mortgage is portable.
  • Properties located in England, Scotland and Wales.
  • Portfolio and professional landlords accepted.
  • Foreign nationals considered.

Subject to status and further lending criteria apply.

Best Deal - 3.29%
2 year fixed rate
No lender arrangement fees
  • Up to 6 bedrooms.
  • Applications in Ltd company or personal name accepted.
  • Properties located in England, Scotland and Wales.
  • Portfolio and professional landlords accepted.
  • Valuation fee is refunded upon completion (additional terms apply).
  • £500 cashback.
  • New builds accepted.
  • Rental calculation from 110% at 5.65%.

Subject to status and further lending criteria apply.

Find the Best HMO Mortgage

Securing HMO mortgage finance can be a complicated process, so it’s important to make sure you’ve got everything covered.

As an independent broker, at Vincent Burch Mortgage Services we can access the best rates and deals on HMO mortgages from a range of specialist lenders such as Lendinvest, Landbay and Aldermore. Our team of friendly, experienced advisers can guide you through the process, ensuring your application meets the necessary criteria and giving it the best chance of being accepted first time. 

For a competitive quote and secure the right Buy to Let HMO mortgage for your investment needs, call 01603 856936 or email [email protected]

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