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Lending Experts

We’re mortgage experts. This means we know our stuff when it comes to all types of mortgages. We know where the best rates are and have access to exclusive deals just for Lending Expert customers.

Huge Market Comparison

We’re not tied to one lender which means we can search the wider market to find you the cheapest mortgages from across the UK.

Authorised & Regulated

Lending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.

Flexible Lending

If you have bad credit or have previously been refused a mortgage we can consider your application. Whatever your circumstances please get in touch and we'll do our best to help find you the perfect mortgage deal.


What are the HMO mortgage requirements & criteria?

The following text was taking from the gov.uk website as it describes a HMO as the following:

A house in multiple occupation is a property rented out by at least 3 people who are not from 1 ‘household’ (eg a family) but share facilities like the bathroom and kitchen. It’s sometimes called a ‘house share’.

You must have a licence if you’re renting out a large HMO. Your property is defined as a large HMO if all of the following apply:

- it’s rented to 5 or more people who form more than 1 household
- it’s at least 3 storeys high
- tenants share toilet, bathroom or kitchen facilities

Does my HMO have to be licensed?

Yes it is a legal requirement that all HMO properties are licensed via your local authority. Lending Expert recommends that you contact your local authority to learn more about the requirements, rules and regulations.

Is there a limit to the amount of bedroom my HMO can have?

Most lenders will lend on HMOs with up to 5 bedrooms. If your HMO is larger than this then your choice of lenders will be reduced or you property will be considered as a commercial building rather than buy to let.

How is a HMO different to a multi-let property?

A property is often referred to as being a multi-let property if it is a type of HMO that does not require a license.

Is there a large choice of lenders for HMO property?

Approximately half of all the buy to let mortgage lenders on our brokers panel accept HMO's. Contact our specialist broker here on Lending Expert to discover more about the panel of Lenders.

Do you have a HMO mortgage calculator?

Our HMO mortgage broker will assist you in calculating the costs, and the repayments of your mortgage depending on the most suitable product.

Are mortgages available for ex-pats looking to buy a HMO?

Yes if you are a british expatriate and looking to invest in UK HMO properties then there are a range of suitable lenders who can help.

What deposit is required for a HMO mortgage?

You'll need about a 30% deposit for most HMO mortgages and lenders. 70% Loan to Value. A specialist broker here at Lending Expert can explain in detail about the various product available on the market.

Compare HMO mortgages and get the best deals today with Lending Expert.

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