Specialist Product

First Time Landlord HMO Mortgages

HMO mortgages for first-time landlords.

What are First Time Landlord HMO Mortgages?

First Time Landlord HMO mortgages are designed for individuals entering the property investment market with their first HMO purchase.

These products recognize that newcomers to landlording need additional support and guidance while building their property portfolio.

Lenders offering first-time landlord HMO mortgages typically provide comprehensive educational resources, covering topics such as HMO licensing, tenant management, property maintenance, and legal obligations.

While first-time landlords may face slightly higher interest rates initially, many lenders offer competitive products to attract new business and build long-term relationships.

The application process often includes assessment of transferable skills from other industries, personal financial stability, and the strength of the proposed HMO investment.

These mortgages provide an excellent entry point into the lucrative HMO market for those willing to learn and commit to professional property management standards.

The NRLA provides a helpful first-time landlord legal checklist to guide new investors.

Key Features of First Time Landlord HMO Mortgages

First-Time Support

Specialist support and guidance for new landlords.

Educational Resources

Comprehensive guides and training materials.

Mentorship Programs

Access to experienced landlord mentors.

Gradual Portfolio Growth

Structured approach to building your HMO portfolio.

Risk Management

Guidance on insurance and tenant management.

Market Analysis

Help identifying the best HMO investment opportunities.

First Time Landlord HMO Mortgages Eligibility Requirements

Check if you meet our criteria for first time landlord hmo mortgages:

Property Requirements

Suitable first HMO investment

Good rental location

Manageable property size

Valid HMO licensing

Borrower Requirements

Strong personal income

Good credit history

Commitment to learning

Minimum 25% deposit

First Time Landlord HMO Mortgages Process

Our streamlined mortgage process makes it simple and stress-free:

Discuss your mortgage needs and current situation with our specialist advisors.

First-time landlord guidance

Property investment education

Rental market overview

Ongoing support explanation

Typical Timeline: 6-8 weeks

Our experienced team works to ensure your mortgage completes as quickly as possible. We'll keep you updated throughout the process and handle any issues that arise.

First Time Landlord HMO Mortgages Calculators

First-Time Landlord Calculator

Simplified calculator for new property investors

First Time HMO

100

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Current First Time Landlord HMO Mortgages Rates

Live rates from our specialist lenders for first time landlord hmo mortgages:

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.

First Time Landlord HMO Mortgages Fees Guide

Understand the costs involved with first time landlord hmo mortgages:

Arrangement Fee

0.5% - 2%

Paid to: First-Time Landlord Lender

Due: Completion

Fee charged by lenders specializing in first-time landlord HMO mortgages. Often includes additional support services.

Arrangement Fee

Paid to: First-Time Landlord Lender

0.5% - 2%

Due: Completion

Fee charged by lenders specializing in first-time landlord HMO mortgages. Often includes additional support services.

Valuation Fee

£300 - £800

Paid to: HMO Surveyor

Due: Application

Professional HMO valuation including rental assessment and guidance for first-time landlords.

Valuation Fee

Paid to: HMO Surveyor

£300 - £800

Due: Application

Professional HMO valuation including rental assessment and guidance for first-time landlords.

Legal Fees

£600 - £1,800

Paid to: Property Solicitor

Due: Completion

Legal costs for first-time landlord HMO mortgage including additional guidance on landlord obligations.

Legal Fees

Paid to: Property Solicitor

£600 - £1,800

Due: Completion

Legal costs for first-time landlord HMO mortgage including additional guidance on landlord obligations.

Landlord Training Course

£200 - £500

Paid to: Training Provider

Due: Before Completion

Mandatory or recommended landlord training course covering HMO management, legal obligations, and best practices.

Landlord Training Course

Paid to: Training Provider

£200 - £500

Due: Before Completion

Mandatory or recommended landlord training course covering HMO management, legal obligations, and best practices.

Broker Fee

0.5% - 1.25%

Paid to: First-Time Landlord Broker

Due: Completion

Fee for arranging first-time landlord HMO mortgage including ongoing support and guidance.

Broker Fee

Paid to: First-Time Landlord Broker

0.5% - 1.25%

Due: Completion

Fee for arranging first-time landlord HMO mortgage including ongoing support and guidance.

Property Management Setup

£300 - £800

Paid to: Management Company

Due: Completion

Setup fees for professional property management services if required by lender or chosen by borrower.

Property Management Setup

Paid to: Management Company

£300 - £800

Due: Completion

Setup fees for professional property management services if required by lender or chosen by borrower.

Important Note

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.

View Full Fees Guide

David Sampson

Updated 30 August 2025

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First Time Landlord HMO Mortgages

What are First Time Landlord HMO Mortgages?