Specialist Finance for Houses in Multiple Occupation
HMO properties offer excellent yields but require specialist finance. We work with lenders who understand HMOs and can offer competitive rates for licensed and unlicensed properties.
Book Your Free ConsultationAn HMO (House in Multiple Occupation) is a property rented to three or more tenants from different households who share facilities. These properties require specialist mortgages because not all lenders accept them.
Some lenders specialise in HMOs and can offer competitive rates, often with higher LTVs than standard buy-to-let products. We have access to these specialist lenders and can find the right deal for your property.
Many HMOs require a licence from the local council. Larger HMOs (5+ tenants forming 2+ households in a property of 3+ storeys) need a mandatory HMO licence. Many councils also have additional licensing schemes.
We work with lenders who understand licensing requirements and can advise on what you need for your specific property.
