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The HMO Mortgage Broker

HMO Remortgages

HMO Remortgage Calculator

Calculate costs and savings for remortgaging your HMO property.

Related reading: HMO remortgages guide.

This calculator is a planning sketch. For when to switch, valuation method and costs, read the HMO remortgages guide.

Your figures

20 years

Arrangement, valuation and legal fees

Charged by your current lender if you leave early

Your results

New monthly payment at 3.50%
£1,160
£105 a month less than now
Current monthly at 4.50%
£1,265
Monthly saving
£105
Total cost, staying put
£303,672
Total cost, remortgaging
£279,881
Total saving after fees
£23,791
Totals cover the remaining term and assume each rate stays the same throughout. The remortgaging total includes fees and any early repayment charge on your current deal.

Illustrative figures only, based on the numbers you enter. Not a mortgage offer.

How we calculate Remortgage

Methodology and data sources, updated March 2026

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

  • Yes:Current remortgage rates from HMO lenders (March 2026)
  • Yes:Property valuation data
  • Yes:HMO remortgage criteria
  • Yes:Early repayment charge calculations

Key assumptions

Property AppreciationConservative property value increase
5% per year
New LTV LimitTypical HMO remortgage LTV
75%
Early Repayment ChargeTypical ERC for existing mortgage
2%