What are HMO Remortgages?

HMO Remortgages enable property investors to refinance their existing HMO properties to secure better interest rates, release equity, or improve their mortgage terms.

Unlike standard buy-to-let remortgages, HMO remortgages are assessed based on the higher rental yields that multi-let properties typically generate, often resulting in more favorable lending terms.

These specialist products are ideal for landlords who want to reduce their monthly payments, access cash for further property investments, or move away from expensive short-term financing arrangements.

HMO remortgages can also help consolidate multiple property loans into a more manageable structure.

The application process considers the property's HMO licensing status, rental income history, and overall condition.

With the right HMO remortgage, investors can significantly improve their portfolio's cash flow while maintaining or expanding their property holdings, making it an essential tool for serious HMO investors looking to optimize their financing costs.

Keeping an eye on the current base interest rate can help landlords decide the right time to remortgage.

Key Features of HMO Remortgages

Market Leading Rates

Access the most competitive HMO remortgage rates in the market.

Cash Release

Release equity from your HMO to fund expansion or improvements.

Portfolio Rewards

Better rates and terms as your HMO portfolio grows.

Switch & Save

Move from higher rates to our competitive HMO products.

Flexible Products

Interest-only and capital repayment options available.

Fast Processing

Streamlined remortgage process with quick decisions.

HMO Remortgages Eligibility Requirements

Check if you meet our criteria for hmo remortgages:

Property Requirements

Existing HMO with valid license

Minimum 3 bedrooms

Good location and condition

Strong rental history

Borrower Requirements

Minimum 6 months HMO experience

Good credit history

Proven rental income

Portfolio landlords preferred

HMO Remortgages Process

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

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

Review your current mortgage terms

Assess your property portfolio

Understand your remortgage goals

Identify potential savings and opportunities

Expert Tip

Milly Turner advises: 'Bring your current mortgage statements and rental income evidence to the consultation. We can often identify significant savings by switching to HMO specialist lenders who understand your property type better.'

Why This Matters

Remortgage consultation focuses on analyzing your current mortgage terms, rental income performance, and market opportunities. We assess whether you're paying too much, missing better rates, or could access additional funds for portfolio expansion.

Our Expertise

Based on 8+ years of HMO remortgage experience and £50M+ in successful remortgage completions

Typical Timeline: 4-6 weeks

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

HMO Remortgages Calculators

HMO Remortgage Calculator

See potential savings by refinancing your HMO mortgage

HMO Remortgages

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Current HMO Remortgages Rates

Live rates from our specialist lenders for hmo remortgages:

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.

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HMO Remortgages Fees Guide

Understand the costs involved with hmo remortgages:

Arrangement Fee

0% - 1.5%

Paid to: Lender

Due: Completion

Fee charged by the lender for setting up the remortgage. Many lenders offer fee-free remortgages or the fee can be added to the loan.

Arrangement Fee

Paid to: Lender

0% - 1.5%

Due: Completion

Fee charged by the lender for setting up the remortgage. Many lenders offer fee-free remortgages or the fee can be added to the loan.

Valuation Fee

£250 - £800

Paid to: Surveyor/Lender

Due: Application

Professional valuation of the HMO property required by the new lender. Cost varies based on property value and size.

Valuation Fee

Paid to: Surveyor/Lender

£250 - £800

Due: Application

Professional valuation of the HMO property required by the new lender. Cost varies based on property value and size.

Legal Fees

£500 - £1,500

Paid to: Solicitor

Due: Completion

Legal costs for the remortgage including property searches and transfer of legal charge. Often covered by lender incentives.

Legal Fees

Paid to: Solicitor

£500 - £1,500

Due: Completion

Legal costs for the remortgage including property searches and transfer of legal charge. Often covered by lender incentives.

Early Repayment Charge

1% - 5%

Paid to: Current Lender

Due: Redemption

Fee charged by your current lender if you repay during a fixed rate period. Check your current mortgage terms.

Early Repayment Charge

Paid to: Current Lender

1% - 5%

Due: Redemption

Fee charged by your current lender if you repay during a fixed rate period. Check your current mortgage terms.

Broker Fee

0% - 1%

Paid to: Broker

Due: Completion

Fee for arranging the remortgage. Many brokers offer fee-free remortgage services funded by lender commissions.

Broker Fee

Paid to: Broker

0% - 1%

Due: Completion

Fee for arranging the remortgage. Many brokers offer fee-free remortgage services funded by lender commissions.

Telegraphic Transfer

£25 - £50

Paid to: Lender

Due: Completion

Fee for transferring the mortgage funds electronically to complete the remortgage transaction.

Telegraphic Transfer

Paid to: Lender

£25 - £50

Due: Completion

Fee for transferring the mortgage funds electronically to complete the remortgage transaction.

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

HMO Remortgages

What are HMO Remortgages?