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Fleet Mortgages Introduces £1,000 Cashback and Rate Reductions on HMO Products

Fleet Mortgages, a leading buy-to-let lender, has announced significant enhancements to its Houses in Multiple Occupation (HMO) and Multi-Unit Block (MUFB) product range, including a new £1,000 cashback incentive and further rate cuts. Landlords can now benefit from a £1,000 cashback on each completed mortgage case for Fleet's 75% loan-to-value (LTV) two-year and five-year fixed …

Fleet Mortgages Introduces £1,000 Cashback and Rate Reductions on HMO Products
Sarah Johnson - HMO Mortgage Expert
Sarah JohnsonExpert qualification: CeMAP Qualified
Published: 22 Jun 2025 • Read time: 3 min • Updated: 30 Sept 2025

Fleet Mortgages, a leading buy-to-let lender, has announced significant enhancements to its Houses in Multiple Occupation (HMO) and Multi-Unit Block (MUFB) product range, including a new £1,000 cashback incentive and further rate cuts.

Landlords can now benefit from a £1,000 cashback on each completed mortgage case for Fleet's 75% loan-to-value (LTV) two-year and five-year fixed HMO/MUFB products. This initiative is designed to help landlords manage upfront expenses, particularly valuation fees, providing immediate financial relief.

In addition to the cashback, Fleet Mortgages has reduced rates on its five-year HMO and MUFB fixed-rate products, making these options even more competitive for property investors.

The lender also continues to offer its popular Green cashback product, providing an additional £1,000 cashback to landlords who improve their property's Energy Performance Certificate (EPC) rating to C or above within the initial five-year fixed-rate period. This supports landlords in enhancing the energy efficiency of their properties.

These new incentives and rate adjustments follow Fleet Mortgages' recent release of a comprehensive guide for advisers and landlords on HMOs, underscoring their commitment to supporting the specialist buy-to-let market with both financial solutions and valuable resources.

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