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Large HMO
An HMO with 5 or more occupants from 2 or more households, requiring mandatory licensing and often different mortgage products.
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Specialist Product
Large HMO Mortgages
Mortgages for large HMO properties.
What is Large HMO Mortgages?
Large HMO mortgages are specialist financing products for substantial multi-occupancy properties, typically featuring 8 or more bedrooms and often extending across multiple floors or buildings. These properties require different underwriting approaches due to their scale, complexity, and higher rental yields. Large HMOs often serve specific markets such as student accommodation, young professional housing, or supported living arrangements. The financing considers factors such as location near universities or employment centers, professional management requirements, and compliance with more stringent HMO licensing regulations. Due to their size and income potential, large HMOs can be highly profitable but require experienced management and higher initial investment. Lenders typically require professional property management, comprehensive insurance, and detailed rental income projections when assessing these applications.
Key Features of Large HMO Mortgages
Multi-Storey Properties
Financing for large HMOs with 10+ bedrooms.
High Value Lending
Loans available for properties above £500k.
Commercial Rates
Competitive rates for larger HMO investments.
Multiple Units
Finance for properties with multiple self-contained units.
Student Accommodation
Specialist products for large student HMO properties.
Professional Support
Dedicated support for large HMO investments.
Large HMO Mortgages Eligibility Requirements
Check if you meet our criteria for large hmo mortgages:
Property Requirements
Minimum 8+ bedrooms
Valid HMO license
Professional management required
Strong rental demand area
Borrower Requirements
Significant HMO experience
Professional landlord status
Strong financial position
Minimum 25% deposit
Large HMO Mortgages Process
Our streamlined mortgage process makes it simple and stress-free:
Discuss your mortgage needs and current situation with our specialist advisors.
Assess your financial situation
Review your large HMO property requirements
Understand your mortgage goals
Identify suitable lenders and products
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.
Large HMO Mortgages Calculators
Current Large HMO Mortgages Rates
Live rates from our specialist lenders for large hmo mortgages:
Important Notice: The rates displayed on this page are not currently correct and should not be used for decision making. Please contact us for up-to-date rates.
No rates available for this category at the moment.
Please check our rates page for all available options.
Large HMO Mortgages Success Stories
Large HMO Mortgages Fees Guide
Understand the costs involved with large hmo mortgages:
Arrangement Fee
1% - 2.5%
Paid to: Lender
Due: Completion
Fee charged by the lender for setting up the large HMO mortgage. Higher fees reflect increased complexity and risk assessment.
Arrangement Fee
Paid to: Lender
1% - 2.5%
Due: Completion
Fee charged by the lender for setting up the large HMO mortgage. Higher fees reflect increased complexity and risk assessment.
Valuation Fee
£600 - £2,000
Paid to: Commercial Surveyor
Due: Application
Professional valuation of large HMO property including detailed rental assessment for multiple rooms/units.
Valuation Fee
Paid to: Commercial Surveyor
£600 - £2,000
Due: Application
Professional valuation of large HMO property including detailed rental assessment for multiple rooms/units.
Legal Fees
£1,000 - £3,000
Paid to: Solicitor
Due: Completion
Legal costs for complex large HMO mortgage including licensing checks and compliance documentation.
Legal Fees
Paid to: Solicitor
£1,000 - £3,000
Due: Completion
Legal costs for complex large HMO mortgage including licensing checks and compliance documentation.
HMO License Check
£200 - £500
Paid to: Specialist Agent
Due: Application
Professional review of HMO licensing compliance and requirements for large multi-occupancy properties.
HMO License Check
Paid to: Specialist Agent
£200 - £500
Due: Application
Professional review of HMO licensing compliance and requirements for large multi-occupancy properties.
Broker Fee
0.75% - 1.5%
Paid to: Specialist Broker
Due: Completion
Fee for arranging large HMO mortgage. Specialist expertise in large HMO financing commands premium fees.
Broker Fee
Paid to: Specialist Broker
0.75% - 1.5%
Due: Completion
Fee for arranging large HMO mortgage. Specialist expertise in large HMO financing commands premium fees.
Management Assessment
£300 - £800
Paid to: Property Consultant
Due: Application
Assessment of property management arrangements and capability for large HMO operations.
Management Assessment
Paid to: Property Consultant
£300 - £800
Due: Application
Assessment of property management arrangements and capability for large HMO operations.
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.
Large HMO Mortgages FAQs
Find answers to common questions about Large HMO Mortgages:
A large HMO typically has 7 or more bedrooms or is spread across 3 or more floors, requiring additional licensing.
Last updated: 2024-03-03
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Large HMO mortgages usually have higher rates, stricter criteria, and may require larger deposits.
Last updated: 2024-03-02
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Most lenders require a minimum 30% deposit for large HMOs, though some may accept 25% for experienced landlords.
Last updated: 2024-03-01
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Large HMOs require mandatory licensing from your local council. You'll need to meet additional safety standards, provide floor plans, and pay higher licensing fees.
Last updated: 2024-02-29
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Large HMO mortgage rates typically range from 5.5% to 8.5%, higher than standard HMO mortgages due to increased risk and complexity.
Last updated: 2024-02-28
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Large HMOs require enhanced fire safety measures, emergency lighting, fire doors, sprinkler systems, and regular safety inspections. Requirements vary by council.
Last updated: 2024-02-27
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Apply through your local council with property details, floor plans, safety certificates, and management arrangements. Processing can take 12-16 weeks.
Last updated: 2024-02-26
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Criteria include significant landlord experience, strong financial position, property suitability, adequate rental income projections, and compliance with licensing requirements.
Last updated: 2024-02-25
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Large HMO mortgage applications typically take 6-12 weeks due to additional complexity, licensing requirements, and more thorough lender assessments.
Last updated: 2024-03-15
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You'll need proof of income, bank statements, property details, large HMO license, safety certificates, rental income projections, and a comprehensive business plan.
Last updated: 2024-03-14
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Large HMO Mortgages Key Terms
Important terminology related to Large HMO Mortgages:
Updated 16 Jul 2025
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