HMO Remortgage Calculator
Calculate costs and savings for remortgaging your HMO property.

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- Enter current mortgage balance and remaining term
- Input your current interest rate
- Set new remortgage rate you've been offered
- Add any remortgage fees or costs
- Review potential monthly and total savings
Note: Consider all fees when deciding whether to remortgage.
How We Calculate Remortgage
Methodology & Data SourcesUpdated October 2025
Calculation Formulas
Equity Release
Current Property Value - Outstanding Mortgage
Available equity for remortgage
New Loan Amount
Property Value × New LTV
Maximum new loan amount
Data Sources
Current remortgage rates from HMO lenders (October 2025)
Property valuation data
HMO remortgage criteria
Early repayment charge calculations
Key Assumptions
Property Appreciation5% per year
Conservative property value increase
New LTV Limit75%
Typical HMO remortgage LTV
Early Repayment Charge2%
Typical ERC for existing mortgage
Calculation Accuracy
Remortgage calculations based on current market conditions and typical HMO lending criteria.