Buy-to-Let

There is no single published Ltd-company HMO rate on this page. A first HMO in a new SPV is priced on LTV, room count and whether the lender will take a first-time director. Ask for a dated illustration after we match a product.

Residential lenders often want a probation period behind you. An HMO mortgage with no experience is assessed mainly on deposit, stressed rent and the management plan. Personal employment still helps as a backstop if the rent is tight. There is no one HMO employment-length rule on the pages cited.