Specialist Product

Large HMO Mortgages

Mortgages for large HMO properties.

What are 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.

Large HMO projects must often comply with building regulations for large conversions.

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

Large HMO Profitability Calculator

Calculate profitability for 7+ bed HMOs

Large HMO

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View all 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 for up-to-date rates.

No rates available for this category at the moment.

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.

View Full Fees Guide

Milly Turner

Updated 18 September 2025

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Large HMO Mortgages

What are Large HMO Mortgages?