Jason Bailey

Expertly compared by Jason Bailey

Products Updated June 21, 2019

Discover More Options

Mortgages For HMO’s

If you require a mortgage or remortgage for a HMO (House of multiple occupancy) then our buy to let mortgage experts can help. They have access to a wide range of market and will search, compare and arrange your HMO buy to let mortgage.

Free Buy to let mortgage advice and brokerage. Our experts can find you the best deals and have access to exclusive rates:

1 providers expertly compared:

Learn More
All credit types
Rated 4.8/ 5

Lending Expert Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.

50% - 85%

Initial Rate
1.44% - 5.29%

Standard Rate (SVR)
4.99% - 4.99%

4.7% - 5.2%

The buy to let mortgage experts at Financial Planning Options can quickly assess your requirements and search the market place to find you the perfect mortgage deal. Click get a quote to make an enquiry today.

Read our customer and visitor reviews for this product:
Rating: 4 / 5 with 1 votes
Limited market products from the BTL sector
by Henderson

There agents were quick to call me back and were very friendly and helpful. BTL products were limited however.



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.

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.

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.

Lending Expert is a credit broker and comparison website, we're not a lender.

We bring together the very best financial providers and products from across the market place.

Warning: Late repayment can cause you serious money problems.
For help, go to moneyadviceservice.org.uk