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The HMO Mortgage Broker

Author

David Sampson

Senior HMO Mortgage Specialist & Founder

About David Sampson

David Sampson is the founder and senior HMO mortgage specialist with over 15 years of experience in property finance. He has established himself as one of the UK's leading experts in HMO financing, helping hundreds of landlords and property investors secure optimal mortgage solutions for their property portfolios. His deep understanding of the HMO market, combined with his extensive network of specialist lenders, enables him to find competitive rates and terms even for complex cases.

CeMAP Qualified

DipFA

CeMAP (Certificate in Mortgage Advice and Practice)

DipFA (Diploma in Financial Advice)

15+ years mortgage industry experience

Arranged £187M+ in HMO lending

4,000+ clients helped

Founded The HMO Mortgage Broker

HMO Mortgages

Development Finance

Portfolio Lending

Commercial Finance

HMO Finance Specialist

Property Investment Specialist

FAQs Answered
148

FAQs Answered by David Sampson

Browse through David Sampson's expert answers to common questions about HMO mortgages and property investment.

Can you get 100% development finance?

Some facilities can cover a high share of cost when there is extra security or a strong track record. This page does not treat 100% of cost or 100% of GDV as a published HMO development product. Cash equity is usually required. Ask for a dated illustration on the scheme.

David Sampson · Updated October 2026

How profitable are HMOs?

Profit is rent after voids, bills, finance and tax — not a brochure yield. A finished HMO can outperform a single let on the same street and still lose money if the build overran or the refinance GDV was optimistic. There is no single profit figure on this page.

David Sampson · Updated October 2026

Is it hard to get a HMO mortgage?

A term HMO mortgage on a licensed, complete house is a specialist product, not a high-street single-let. Development finance is harder still because the house does not exist yet. The usual path is the development facility first, then a term HMO mortgage at exit.

David Sampson · Updated October 2026

Are HMOs still a good investment?

They can be, where planning, licensing and room demand support the GDV you used to borrow. They are not a good investment if you modelled a seven-bed sui generis house on a C4 exit. This page is about funding the build, not a yield promise.

David Sampson · Updated October 2026

How much does HMO make per room?

Room rent is local. A lender’s GDV uses the rents the valuer will accept, not a national per-room average. There is no published per-room profit on this page.

David Sampson · Updated October 2026

Why are people selling their HMOs?

Landlords sell for the same reasons as any investment: a fix ending, a licence they cannot renew, a planning cap, or a better use of the capital. A sale can also be the exit from a development facility. It is not evidence that development finance has closed.

David Sampson · Updated October 2026

What is HMO development finance?

A short-term loan to buy land or a house and build or convert it into an HMO. Funds are drawn against cost and finished value, usually with a monitoring surveyor. It is not a term HMO mortgage. The usual exit is a refinance or a sale.

David Sampson · Updated October 2026

How much can I borrow for an HMO development?

The binding figure is the lower of loan-to-cost and loan-to-GDV on the named lender’s offer. This page does not publish a single LTC or LTGDV percentage. Model both, then ask for a dated illustration.

David Sampson · Updated October 2026

Browse all 148 FAQs

Articles by David Sampson

David Sampson is currently working on new articles. Check back soon for expert insights on HMO mortgages and property investment.