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Mortgage enquiries:
01603 856936
[email protected]

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.

Typically £0 – No broker fee*

RECEIVE A HMO MORTGAGE QUOTE TODAY

We offer HMO mortgage advice and are independent specialist mortgage brokers without ties to a restricted mortgage panel. This means we have access to more lenders and this gives 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.

Lender products are updated regularly so please contact us for the latest offers available.

LAST UPDATED 9th March.

60% LTV
Product Fees Further info
Best Rate - 1.58%
Fixed until June 2024
£1995 lender arrangement fee (can be added to the loan)
  • £300 cashback and free standard valuation (subject to additional terms).
  • Interest only and repayment options.
  • Maximum loan per property £1 million.
  • New builds acceptable.
  • Foreign citizens accepted.
  • Rental calculation from 125% at 5.50%.
  • Available to properties in England, Scotland, Wales, and Northern Ireland.

Subject to status and further lending criteria apply.

HMO No Fees - 2.10%
Fixed until June 2024
No lender arrangement fees
  • Mortgage is portable.
  • Maximum loan per property £1 million.
  • 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.
  • Portfolio landlords accepted.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.

Best Deal - 1.74%
5 year fixed rate
£1995 lender arrangement fee (can be added to the loan)
  • Mortgage is portable.
  • £300 cashback and free standard 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.
  • Rental calculation from 125% at 4.50%.

Subject to status and further lending criteria apply.

65% LTV
Product Fees Further info
Best Rate - 1.68%
Fixed until June 2024
£1995 lender arrangement fee (can be added to the loan)
  • Mortgage is portable.
  • £300 cashback and free standard 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.
  • Maximum loan per property £1 million.
  • Foreign citizens considered.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.

HMO No Fees - 2.18%
2 year fixed rate
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 - 2.02%
Fixed until June 2027
£995 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.

70% LTV
Product Fees Further info
Best Rate - 1.68%
Fixed until June 2024
£1995 lender arrangement fee (can be added to the loan)
  • Mortgage is portable.
  • £300 cashback and free standard 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.
  • Maximum loan per property £1 million.
  • Foreign citizens considered.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.

HMO No Fees - 2.18%
2 year fixed rate
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 - 2.02%
Fixed until June 2027
£995 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.

75% LTV
Product Fees Further info
Best Rate - 1.68%
Fixed until June 2024
£1995 lender arrangement fee (can be added to the loan)
  • Mortgage is portable.
  • £300 cashback and free standard 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.
  • Maximum loan per property £1 million.
  • Foreign citizens considered.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.

HMO No Fees - 2.18%
2 year fixed rate
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 - 2.02%
Fixed until June 2027
£995 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.

80% LTV
Product Fees Further info
Best Rate - 3.39%
2 year fixed rate
2.5% lender arrangement fee (can be added to the loan)
  • Interest only and repayment.
  • 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.
  • Rental calculation from 125% at 5.50%.
  • Limited company acceptable.

Subject to status and further lending criteria apply.

HMO No Fees - 3.85%
5 year fixed rate
No lender arrangement fees
  • £350 cashback (subject to additional terms).
  • Limited company acceptable.
  • Free valuation (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.

HMO Best Deal - 3.85%
5 year fixed rate
No lender arrangement fees
  • £350 cashback (subject to additional terms).
  • Limited company acceptable.
  • Free valuation (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.

85% LTV
Product Fees Further info
Best Deal - 4.49%
5 year fixed rate
2.5% 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 4.49%.
  • Limited company acceptable.

Subject to status and further lending criteria apply.

HMO No Fees - 3.85%
5 year fixed rate
No lender arrangement fees
  • £350 cashback (subject to additional terms).
  • Limited company acceptable.
  • Free valuation (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.

HMO Best Deal - 3.85%
5 year fixed rate
No lender arrangement fees
  • £350 cashback (subject to additional terms).
  • Limited company acceptable.
  • Free valuation (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.

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.

60% LTV
Product Fees Further info
Best Rate - 2.29%
Fixed until June 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.

HMO No Fees - 3.19%
2 year fixed rate
No lender arrangement fees
  • Up to 7 beds.
  • England, Scotland, Wales and Northern Ireland.
  • Portfolio and professional landlords accepted.

Subject to status and further lending criteria apply.

Best Deal - 3.29%
2 year fixed rate
No lender arrangement fees
  • Refund of valuation fee on completion (subject to additional terms).
  • £500 cash back (subject to additional terms).
  • Limited company or personal name.
  • Up to 6 beds.
  • Portfolio and professional landlords accepted.
  • Available to properties in England, Scotland, and Wales.

Subject to status and further lending criteria apply.

65% LTV
Product Fees Further info
Best Rate - 2.29%
Fixed until June 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.

HMO No Fees - 3.19%
2 year fixed rate
No lender arrangement fees
  • Up to 7 beds.
  • England, Scotland, Wales and Northern Ireland.
  • Portfolio and professional landlords accepted.

Subject to status and further lending criteria apply.

Best Deal - 3.29%
2 year fixed rate
No lender arrangement fees
  • Refund of valuation fee on completion (subject to additional terms).
  • £500 cash back (subject to additional terms).
  • Limited company or personal name.
  • Up to 6 beds.
  • Portfolio and professional landlords accepted.
  • Available to properties in England, Scotland, and Wales.

Subject to status and further lending criteria apply.

70% LTV
Product Fees Further info
Best Rate - 2.29%
Fixed until June 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.

Best Deal - 3.29%
2 year fixed rate
No lender arrangement fees
  • Refund of valuation fee on completion (subject to additional terms).
  • £500 cash back (subject to additional terms).
  • Limited company or personal name.
  • Up to 6 beds.
  • Portfolio and professional landlords accepted.
  • Available to properties in England, Scotland, and Wales.

Subject to status and further lending criteria apply.

Best Deal - 3.29%
2 year fixed rate
No lender arrangement fees
  • Refund of valuation fee on completion (subject to additional terms).
  • £500 cash back (subject to additional terms).
  • Limited company or personal name.
  • Up to 6 beds.
  • Portfolio and professional landlords accepted.
  • Available to properties in England, Scotland, and Wales.

Subject to status and further lending criteria apply.

75% LTV
Product Fees Further info
Best Rate - 2.29%
Fixed until June 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.

Best Deal - 3.29%
2 year fixed rate
No lender arrangement fees
  • Refund of valuation fee on completion (subject to additional terms).
  • £500 cash back (subject to additional terms).
  • Limited company or personal name.
  • Up to 6 beds.
  • Portfolio and professional landlords accepted.
  • Available to properties in England, Scotland, and Wales.

Subject to status and further lending criteria apply.

80% LTV
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.

85% LTV
Product Fees Further info
Best Rate - 4.99%
2 year fixed rate
1.5% lender arrangement fee (can be added to the loan)
  • Interest only and repayment options available.
  • 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.

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.

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]

“Andrew was very knowledgeable and efficient, Kelly was fantastic in the support of the application, kept us informed of progress and worked very quickly. Recommended.”

- Tim

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