HMO Lending made easy

The UK’s dedicated #1 HMO finance platform, for HMO mortgages,
remortgages, bridging and development finance.

1,358 HMO borrowers helped in the last 30 days

Specialist

We’re the UK’s #1 specialist for HMO mortgages, remortgages and bridging, & so for our clients, we make HMO lending easy.

Independent

We’re impartial, making sure you get the best advice, helping select the right product with the best rates & terms.

Fast

We can get you a decision in principle within 2 hours, allowing you to make good decisions within your property business.

Agile

With access to every HMO lending product on the market, & some not available to the public, we are confident we will can help.

Specialist

100% Focus on HMO Lending

Independent

Impartial with best advice

Fast

DIP within 2 Hours

Agile

100% HMO Market Coverage

Every Type of HMO Property Finance

Unlike most mortgage brokers, we have access to every HMO mortgage lender in the UK, 

plus a few not available to other brokers.

HMO Mortgages Explained

Everything you need to know about HMO mortgages and HMO mortgage finance.

Whether you’re a new to the sector looking to learn, or a seasoned HMO investor looking for a specific answer, this guide give you the information you need to make the best decisions for you, surrounding all aspects of HMO Buy to Let (BTL) mortgages.

HMO Mortgage Lenders

Not all HMO mortgage brokers were created equal. Unlike most HMO mortgage brokers, we have access to every HMO mortgage lender out there plus a few not available to other brokers.  We have full and up-to-date information on each HMO mortgage lender covering 100% of HMO Mortgage Lenders and their available products.

100% of HMO Lender Coverage

Direct & Priority Access

HMO Expertise

HMO Property Calculators

Looking to understand your HMO property finance costs inside and out? Use our suite of HMO calculators to enable you to make good decisions surrounding, HMO mortgages, remortgages, deals and valuations.

HMO Mortgages Rates

Access to 5,000+ live HMO mortgage rates tailored to meet the unique needs of landlords and property investors.

Over the last 10 years, the HMO mortgage market has expanded from a handful to over 5,000 HMO (Buy to Let) mortgages. 

With new HMO mortgages released every week, getting the most up-to-date information on the current Best HMO Mortgage Rates is important.

We’re working on this data as we speak.

The data displayed is for display purposes only & not accurate. 
For live rate information, get a free quote

LTV
85%
Monthly
£621
APR
2.09%
APRC
3.09%
Fees
£10,000
LTV
85%
Monthly
£621
APR
2.09%
APRC
3.09%
Fees
£10,000
LTV
85%
Monthly
£621
APR
2.09%
APRC
3.09%
Fees
£10,000
LTV
85%
Monthly
£621
APR
2.09%
APRC
3.09%
Fees
£10,000
LTV
85%
Monthly
£621
APR
2.09%
APRC
3.09%
Fees
£10,000

Not all HMO mortgage brokers were created equal

The pros and cons of using generalist vs specialists when it comes
to HMO mortgages, remortgages and bridging.

Normal Mortgage Broker

What you’ll get

Generalist Broker

Access to 3-5 HMO Lenders

Variable HMO Lending Experience

Low/No HMO Property Knowledge

No HMO Valuation Experience

Slow Access to HMO Lenders

<3% Monthly Business as HMO

What you’ll get

HMO Specialist Broker
Access to 25+ HMO Lenders
10 yrs+ HMO Lending Experience
Broad HMO Property Knowledge
Vast HMO Valuation Experience
Priority Access to HMO Lenders
97%+ Monthly Business as HMO

What our customers have to say

About Us

We have been helping clients gain HMO mortgage finance for 10+ years and as such we’re buy to let HMO mortgage specialists, so much so we don’t focus on any other type of lending.

We help about 50 new HMO mortgage clients get an HMO mortgage quote every week. We help HMO mortgage & finance clients get the results they need, fast whilst making sure we give the best experience and customer service.

£120,500,000

HMO lending agreed in 2024

10

Years in Business

£65,000

Smallest HMO Loan

£9,500,000

Largest HMO Loan

£250,000

Average Loan Value

99.9%

Client Satisfaction

10,950+

HMO Clients Helped

4h

Average Time to DIP

28 days

Average Loan Time

10

Years in Business

£65,000

Smallest HMO Loan

£9,500,000

Largest HMO Loan

£250,000

Average Loan Value

99.9%

Client Satisfaction

10,950+

HMO Clients Helped

4h

Average Time to DIP

28 days

Average Loan Time

Advertiser Disclosure

Please note that the mortgage rates and information displayed on our website are for informational purposes only and may not be accurate or up-to-date.

It is important to verify the rates with a licensed mortgage broker, lender, or financial institution before making any financial decisions. Rates can vary based on various factors including creditworthiness, loan amount, and market conditions.

We do not guarantee the accuracy or availability of the rates displayed on our website. We encourage you to consult with a qualified professional to obtain personalised mortgage advice tailored to your specific needs and circumstances.

Data & Privacy

FAQs

Do I need an HMO Mortgage?

If the answer is yes then go for it. If not, then reconsider the options. If the answer is yes then go for it. If not, then reconsider the options. If the answer is yes then go for it. If not, then reconsider the options.

If the answer is yes then go for it. If not, then reconsider the options. If the answer is yes then go for it. If not, then reconsider the options. If the answer is yes then go for it. If not, then reconsider the options.
If the answer is yes then go for it. If not, then reconsider the options. If the answer is yes then go for it. If not, then reconsider the options. If the answer is yes then go for it. If not, then reconsider the options.
If the answer is yes then go for it. If not, then reconsider the options. If the answer is yes then go for it. If not, then reconsider the options. If the answer is yes then go for it. If not, then reconsider the options.
If the answer is yes then go for it. If not, then reconsider the options. If the answer is yes then go for it. If not, then reconsider the options. If the answer is yes then go for it. If not, then reconsider the options.
If the answer is yes then go for it. If not, then reconsider the options. If the answer is yes then go for it. If not, then reconsider the options. If the answer is yes then go for it. If not, then reconsider the options.

Advertiser Disclosure

Please note that the mortgage rates and information displayed on our website are for informational purposes only and may not be accurate or up-to-date.

It is important to verify the rates with a licensed mortgage broker, lender, or financial institution before making any financial decisions. Rates can vary based on various factors including creditworthiness, loan amount, and market conditions.

We do not guarantee the accuracy or availability of the rates displayed on our website. We encourage you to consult with a qualified professional to obtain personalised mortgage advice tailored to your specific needs and circumstances.