HMO Remortgage Calculator

Calculate costs and savings for remortgaging your HMO property.

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How We Calculate Remortgage

Methodology & Data SourcesUpdated March 2026

Equity Release

Current Property Value - Outstanding Mortgage

Available equity for remortgage

New Loan Amount

Property Value × New LTV

Maximum new loan amount

Current remortgage rates from HMO lenders (March 2026)

Property valuation data

HMO remortgage criteria

Early repayment charge calculations

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.

This calculator is a planning tool. For current rates, lender criteria, and specialist advice:

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