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HMO Remortgages

HMO Remortgage Calculator

Calculate costs and savings for remortgaging your HMO property.

Modern HMO Property
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  1. Enter current mortgage balance and remaining term
  2. Input your current interest rate
  3. Set new remortgage rate you've been offered
  4. Add any remortgage fees or costs
  5. 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.