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The HMO Mortgage Broker

United Trust Bank

United Trust Bank (UTB) is a specialist bank providing a wide range of funding facilities for individuals and businesses. Their property finance division offers bridging loans, development finance, and specialist buy-to-let mortgages, with a focus on non-standard cases.

  • Specialist in bridging and development finance
  • Also offers specialist BTL mortgages
  • Experienced underwriters

HMO Services

See our guide to HMO mortgages for criteria, valuation and how specialist lenders underwrite multi-let stock. Or compare HMO mortgage lenders side by side.

United Trust Bank HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • Yes:LLPs
  • Yes:Offshore companies

Experience and credit

  • No:First-time landlordsExperience is required for most products, particularly development and complex BTL.
  • No:No property experience needed
  • Yes:Adverse credit consideredWill consider applicants with minor adverse credit on a case-by-case basis.
  • Yes:Borrowers aged 18 to 85

How to apply

  • Yes:Through a broker
  • No:Direct to the lender

Frequently Asked Questions

Common questions about United Trust Bank and their HMO mortgage services.

What are United Trust Bank's HMO mortgage rates?

United Trust Bank publishes HMO mortgage rates that vary by product, loan-to-value, borrower profile and property type. Ask us for a dated illustration rather than a generic headline rate.

What are United Trust Bank's borrower criteria?

United Trust Bank requires experience from experienced landlords. Adverse credit is considered on a case-by-case basis. Minimum age: 18 years, maximum age: 85 years.

Does United Trust Bank accept intermediary applications?

United Trust Bank accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does United Trust Bank offer?

United Trust Bank offers Hmo Mortgages, Hmo Remortgages, Hmo Bridging Finance, Hmo Development Finance, Portfolio, Limited Company, Bad Credit. Contact us to discuss your specific requirements and find the best solution for your property investment needs.