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HMO Mortgages for First Time Landlords

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HMO Mortgages for First-Time Landlords, whilst more difficult to find are out there and available.

If you wish to apply for an HMO mortgage and you’re are a first-time landlord, the choice of HMO lenders is more limited. That doesn’t, however, mean to say that the interest rate will be significantly higher like a borrower might expect.

Although an HMO property may be a higher yielding investment than a standard buy-to-let, there is more work involved in managing the HMO property, and some lenders are cautious as a result.

First Time Landlord HMO Mortgages

Top 10 Best HMO Mortgages For First Time Landlords

No Mortgage Type Loan Type App Type Product Type Rate LTV
15 Fixed ReMortgage Individual Yes ££25,000 2 Years fixed 3.20% 75%
23 Fixed Purchase Ltd Yes ££25,000 2 Years fixed 3.20% 75%
31 Fixed ReMortgage Ltd Yes ££25,000 2 Years fixed 3.20% 75%
11 Fixed Purchase Individual Yes ££25,000 5 Years fixed 3.50% 75%
19 Fixed ReMortgage Individual Yes ££25,000 5 Years fixed 3.50% 75%
27 Fixed Purchase Ltd Yes ££25,000 5 Years fixed 3.50% 75%
35 Fixed ReMortgage Ltd Yes ££25,000 5 Years fixed 3.50% 75%
6 Fixed Purchase Individual Yes ££25,000 2 Years fixed 3.60% 75%
14 Fixed ReMortgage Individual Yes ££25,000 2 Years fixed 3.60% 75%
Product Code:
2BM027
Reversionary Rate:
5.60%
Loan Type:
Purchase
Arrangement Fee:
1%
Early Repayment Change:
3% for 2 years
Application Type:
Individual
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM027
Reversionary Rate:
5.60%
Loan Type:
ReMortgage
Arrangement Fee:
1%
Early Repayment Change:
3% for 2 years
Application Type:
Individual
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM027
Reversionary Rate:
5.60%
Loan Type:
Purchase
Arrangement Fee:
1%
Early Repayment Change:
3% for 2 years
Application Type:
Ltd
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM027
Reversionary Rate:
5.60%
Loan Type:
ReMortgage
Arrangement Fee:
1%
Early Repayment Change:
3% for 2 years
Application Type:
Ltd
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM070
Reversionary Rate:
4.85%
Loan Type:
Purchase
Arrangement Fee:
2%
Early Repayment Change:
5% for years 1 and 2
4% for years 3 and 4
3% for year 5
Application Type:
Individual
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM070
Reversionary Rate:
4.85%
Loan Type:
ReMortgage
Arrangement Fee:
2%
Early Repayment Change:
5% for years 1 and 2
4% for years 3 and 4
3% for year 5
Application Type:
Individual
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM070
Reversionary Rate:
4.85%
Loan Type:
Purchase
Arrangement Fee:
2%
Early Repayment Change:
5% for years 1 and 2
4% for years 3 and 4
3% for year 5
Application Type:
Ltd
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM070
Reversionary Rate:
4.85%
Loan Type:
ReMortgage
Arrangement Fee:
2%
Early Repayment Change:
5% for years 1 and 2
4% for years 3 and 4
3% for year 5
Application Type:
Ltd
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM046
Reversionary Rate:
5.60%
Loan Type:
Purchase
Arrangement Fee:
0%
Early Repayment Change:
3% for 2 years
Application Type:
Individual
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:
N/A

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM046
Reversionary Rate:
5.60%
Loan Type:
ReMortgage
Arrangement Fee:
0%
Early Repayment Change:
3% for 2 years
Application Type:
Individual
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

0203 970 4113

Many lenders insist on some form of letting experience before they will lend to somebody buying an HMO.

But, there are some excellent HMO lenders who service first time HMO landlords very well.

Find out which HMO Mortgage Lenders are happy to provide HMO Mortgages to First-Time Landlords.

On the other hand, you can find out more about HMO Mortgage Lending. It’s never been easier than with our recent publication; THE ULTIMATE GUIDE TO HMO MORTGAGES

Ultimate Guide to HMO Mortgages

Alternatively, call one of the team on 0203 970 4113 for more specific advice, or to get a Fast & Free QUOTE for an HMO Mortgage for a First Time Landlord.

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The details of financial products and services published on this site are for information purposes only and do not constitute financial advice. Please note that the lending products on this website include business buy to let products and not consumer but to let products and so no products displayed are regulated by the Financial Conduct Authority (FCA). Calls may be recorded for training and monitoring. Your property may be repossessed if you do not keep up repayments on your mortgage. theHMOmortgagebroker.co.uk is a direct introducer, working in partnership with the FCA, authorised companies only.

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