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Specialist finance solutions for HMO development projects, from light refurbishment to complete conversions.
HMO Development Finance is short-term funding specifically designed for property investors who want to purchase and convert properties into Houses in Multiple Occupation.
This type of financing typically covers both the property purchase price and renovation costs, with funds released in stages as work progresses.
Development finance is ideal for investors who have identified properties with HMO potential but require significant refurbishment, conversion work, or structural modifications to comply with HMO licensing requirements.
The loans are usually structured as interest-only during the development period (typically 6-18 months), allowing investors to minimize monthly payments while work is ongoing.
Upon completion, borrowers typically refinance onto a standard HMO mortgage.
This financing solution is perfect for experienced developers and property investors who want to add value through strategic improvements and create high-yielding HMO properties in areas with strong rental demand.
Before pursuing HMO development finance, it's crucial to understand when planning permission for HMO conversions is required, according to official government guidance.
Access market-leading rates with flexible terms to suit your development strategy.
Quick decisions and rapid funding for time-sensitive development opportunities.
Tailored funding solutions for various development types and scales.
Dedicated development finance specialists to guide you through the process.
Borrow up to 75% of the project value with our competitive LTV options.
No penalties for early repayment, giving you flexibility in your exit strategy.
Check if you meet our criteria for hmo development finance:
Our streamlined development finance process makes it simple and stress-free:
Discuss your development project and funding requirements.
Our experienced team works to ensure your development finance completes as quickly as possible. We'll keep you updated throughout the process and handle any issues that arise.
Live rates from our specialist lenders for hmo development finance:
Important Notice: The rates displayed on this page are not currently correct and should not be used for decision making. Please for up-to-date rates.
No rates available for this category at the moment.
Understand the costs involved with hmo development finance:
Fees can vary significantly between lenders and depend on your specific circumstances. Our brokers will provide you with a detailed breakdown of all costs before you proceed. Some fees may be negotiable or waived depending on the lender and loan amount.
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