We offer HMO Mortgage 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. When securing finance for a HMO property with 6 bedrooms or more, you may find the rates are higher, contact us today to receive an up to date, accurate quote.

Typically £0 – No broker fee*

We search 100s of lenders to find you the best deal.


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We recommend you seek professional advice for the following:


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 340644 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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