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HMO Mortgage Lenders: Compare 30+ UK Specialist Lenders
Compare 30+ specialist lenders with exclusive rates and priority processing. See each lender's criteria, LTV limits and product range side by side.
HMO lender comparison
How to compare HMO mortgage lenders
The best HMO mortgage lender is not always the one with the lowest headline rate. For most landlords, the right lender is the one whose criteria match the property, licence position, ownership structure, rental income and borrower experience.
Check criteria first
Compare maximum LTV, room limits, HMO licence requirements, borrower experience, valuation basis and whether limited company applications are accepted.
Compare total cost
Look at arrangement fees, valuation fees, stress testing, early repayment charges and whether rates differ for larger HMOs or portfolio landlords.
Match lender to case
First-time landlords, refurbishment exits, adverse credit, large HMOs and portfolio applications often need different specialist lenders.
Aldermore Bank
Aspen Bridging
Close Brothers Property Finance
Fleet Mortgages
Foundation Home Loans
Hampshire Trust Bank (HTB)
Kent Reliance
Keystone
Landbay
LendInvest
Market Financial Solutions (MFS)
Molo Finance
MT Finance
Octopus Real Estate
Paragon Bank
Pepper Money
Precise Mortgages
Roma Finance
Shawbrook Bank
The Mortgage Works
Together
United Trust Bank
Vida Homeloans
Yorkshire Building Society
Zephyr Homeloans
About Our HMO Lender Network
Our network includes 30+ specialist HMO lenders — financial institutions that focus specifically on lending for Houses in Multiple Occupation properties. Unlike high street banks, these lenders understand the unique opportunities of multi-tenant properties, including higher rental yields and the growing demand for shared housing across the UK.
Each lender has different criteria, rates and specialisms. By comparing lenders side by side, you can identify which ones best match your property type, experience level and investment goals.
Looking for a specific type of HMO mortgage? See our dedicated guides:
- Limited company HMO mortgages
- Commercial HMO mortgages
- Portfolio HMO mortgages
- Bad credit HMO mortgages
- Large HMO mortgages (6+ bedrooms)
- Expat HMO mortgages
Want to understand how HMO finance works before choosing a lender? Read our complete guide to HMO mortgages for an overview of rates, eligibility requirements and the application process.