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    The HMO Mortgage Broker

    The HMO Mortgage Broker - Specialized mortgage advice for Houses in Multiple Occupation.

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    1. HMO Remortgages
    Core Product

    HMO Remortgages

    Competitive remortgage solutions for existing HMO properties.

    HMO Remortgages - Refinancing Solutions for Existing HMO Properties

    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

    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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    View all Calculators

    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.

    HMO Remortgages Related Articles

    More insights to help with your HMO journey

    No related articles found at the moment. Check back soon for more insights!

    View all Articles

    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
    David Sampson - HMO Mortgage Expert
    David Sampson
    Updated 20 January 2025

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