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    1. HMO Mortgages
    2. Llp
    Specialist Product

    LLP HMO Mortgages

    Specialist mortgage solutions for Limited Liability Partnerships investing in HMO properties.

    LLP HMO Mortgages - Limited Liability Partnership Property Investment Finance

    What are LLP HMO Mortgages?

    LLP HMO mortgages are designed specifically for Limited Liability Partnerships that want to invest in Houses in Multiple Occupation.

    An LLP combines the limited liability protection of a company with the operational flexibility of a partnership, making it an attractive structure for property investors working together.

    Unlike limited companies, LLPs benefit from pass-through taxation where profits are taxed at individual partner rates rather than corporation tax rates.

    This can be particularly advantageous for higher-rate taxpayers and provides more flexibility in profit distribution.

    LLP HMO mortgages require lenders who understand partnership structures and can assess multiple designated members' credentials and personal guarantees.

    The partnership agreement must clearly define profit sharing, management responsibilities, and decision-making processes.

    While application procedures may be more complex than individual mortgages, LLPs offer excellent opportunities for property investment partnerships with strong covenant strength and shared expertise.

    If you're investing via a partnership, it's essential to understand how LLPs work for property investment.

    Key Features of LLP HMO Mortgages

    Partnership Flexibility

    Benefit from flexible partnership structure with shared management.

    Pass-Through Taxation

    Profits taxed at individual partner rates, not corporation tax.

    Limited Liability

    Protect personal assets through limited liability structure.

    Shared Expertise

    Combine partners' experience and investment capital.

    Competitive Rates

    Access specialist lenders offering competitive LLP rates.

    Professional Structure

    Formal business structure for serious property investment.

    LLP HMO Mortgages Eligibility Requirements

    Check if you meet our criteria for llp hmo mortgages:

    Property Requirements

    Licensed HMO property
    Minimum 3 bedrooms
    Good rental location
    Strong rental demand

    Borrower Requirements

    Established LLP (2+ years trading)
    Filed LLP accounts required
    Designated members with property experience
    Clean credit history for guarantors

    LLP 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 LLP 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.

    LLP HMO Mortgages Calculators

    LLP Tax Calculator
    Compare tax implications of LLP vs Limited Company vs Personal ownership
    LLP
    100
    LLP Profit Distribution Calculator
    Calculate profit sharing and partner distributions in LLP structure
    LLP
    100
    LLP Mortgage Affordability Calculator
    Calculate borrowing capacity for LLP HMO mortgage applications
    LLP
    100
    LTD vs LLP Calculator
    Compare Limited Company vs LLP structures for HMO investments
    LLP
    100
    View all Calculators

    Current LLP HMO Mortgages Rates

    Live rates from our specialist lenders for llp 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.

    HMO Mortgages
    6.19%
    Rate
    Fixed
    2 years
    £999
    Product Fee
    75%
    Max LTV
    HMO Mortgages
    5.58%
    Rate
    Discount
    2 years
    £999
    Product Fee
    75%
    Max LTV
    HMO Mortgages
    5.89%
    Rate
    Fixed
    5 years
    £999
    Product Fee
    75%
    Max LTV
    HMO Mortgages
    6.09%
    Rate
    Tracker
    2 years
    £1,999
    Product Fee
    75%
    Max LTV
    HMO Mortgages
    6.59%
    Rate
    Fixed
    5 years
    £1,999
    Product Fee
    75%
    Max LTV
    HMO Mortgages
    6.24%
    Rate
    Fixed
    2 years
    £0
    Product Fee
    75%
    Max LTV
    HMO Mortgages
    5.79%
    Rate
    Fixed
    5 years
    £0
    Product Fee
    75%
    Max LTV
    HMO Mortgages
    5.74%
    Rate
    Fixed
    2 years
    2%
    Product Fee
    75%
    Max LTV
    HMO Mortgages
    6.14%
    Rate
    Fixed
    5 years
    2%
    Product Fee
    75%
    Max LTV
    HMO Mortgages
    6.24%
    Rate
    Fixed
    2 years
    2%
    Product Fee
    80%
    Max LTV
    LendingTermTypeRateLTVFeesMin LoanMax Loan
    HMO Mortgages
    2 years
    Fixed
    6.19%
    75%
    £999
    £25K
    £1.5M
    HMO Mortgages
    2 years
    Discount
    5.58%
    75%
    £999
    £25K
    £1.5M
    HMO Mortgages
    5 years
    Fixed
    5.89%
    75%
    £999
    £25K
    £1.5M
    HMO Mortgages
    2 years
    Tracker
    6.09%
    75%
    £1,999
    £100K
    £1M
    HMO Mortgages
    5 years
    Fixed
    6.59%
    75%
    £1,999
    £100K
    £1M
    HMO Mortgages
    2 years
    Fixed
    6.24%
    75%
    £0
    £25K
    £750K
    HMO Mortgages
    5 years
    Fixed
    5.79%
    75%
    £0
    £25K
    £750K
    HMO Mortgages
    2 years
    Fixed
    5.74%
    75%
    2%
    £40K
    £1M
    HMO Mortgages
    5 years
    Fixed
    6.14%
    75%
    2%
    £40K
    £1M
    HMO Mortgages
    2 years
    Fixed
    6.24%
    80%
    2%
    £40K
    £500K
    View all Rates

    LLP HMO Mortgages Related Articles

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    Hampshire Trust Bank (HTB) Refines Specialist Mortgages, Offers Standard BTL Rates on Large Semi-Commercial Loans

    Hampshire Trust Bank (HTB) has refined its specialist mortgages proposition, introducing a significant change that will benefit landlords investing in mixed-use properties. This update aims to address the increasing demand for residential-heavy mixed-use investments. HTB will now allow standard buy-to-let (BTL) rates to be applied to qualifying semi-commercial loans exceeding £5 million. This is a …

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    Landbay Lowers Rates on Limited Edition and Product Transfer Ranges

    Landbay, a leading specialist buy-to-let lender, has announced further rate reductions across its limited edition and product transfer mortgage ranges, with cuts of up to 0.10%. This marks Landbay's sixth round of rate reductions this year, underscoring its commitment to competitive pricing. For its limited edition range, rates now start from 4.39% for a standard …

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    LLP HMO Mortgages Fees Guide

    Understand the costs involved with llp hmo mortgages:

    Arrangement Fee
    1% - 2.5%
    Paid to: Partnership Lender
    Due: Completion
    Fee charged by lenders specializing in LLP mortgages. Reflects additional complexity of partnership assessment.
    Arrangement Fee
    Paid to: Partnership Lender
    1% - 2.5%
    Due: Completion
    Fee charged by lenders specializing in LLP mortgages. Reflects additional complexity of partnership assessment.
    Valuation Fee
    £400 - £1,000
    Paid to: HMO Surveyor
    Due: Application
    Professional HMO valuation including rental income assessment for LLP investment property.
    Valuation Fee
    Paid to: HMO Surveyor
    £400 - £1,000
    Due: Application
    Professional HMO valuation including rental income assessment for LLP investment property.
    Legal Fees
    £800 - £2,200
    Paid to: Partnership Solicitor
    Due: Completion
    Legal costs for LLP mortgage including partnership agreement review and multiple guarantee documentation.
    Legal Fees
    Paid to: Partnership Solicitor
    £800 - £2,200
    Due: Completion
    Legal costs for LLP mortgage including partnership agreement review and multiple guarantee documentation.
    Partnership Review
    £300 - £700
    Paid to: Legal/Accountancy Firm
    Due: Application
    Review of LLP structure, partnership agreement, and designated member arrangements.
    Partnership Review
    Paid to: Legal/Accountancy Firm
    £300 - £700
    Due: Application
    Review of LLP structure, partnership agreement, and designated member arrangements.
    Broker Fee
    0.75% - 1.5%
    Paid to: Partnership Specialist Broker
    Due: Completion
    Fee for arranging LLP HMO mortgage. Specialist knowledge of partnership lending requirements.
    Broker Fee
    Paid to: Partnership Specialist Broker
    0.75% - 1.5%
    Due: Completion
    Fee for arranging LLP HMO mortgage. Specialist knowledge of partnership lending requirements.
    Multiple Guarantor Setup
    £200 - £500
    Paid to: Legal Services
    Due: Completion
    Additional legal costs for setting up multiple personal guarantees from designated members.
    Multiple Guarantor Setup
    Paid to: Legal Services
    £200 - £500
    Due: Completion
    Additional legal costs for setting up multiple personal guarantees from designated members.

    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
    Sarah Johnson - HMO Mortgage Expert
    Sarah Johnson
    Updated 30 August 2025

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