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The HMO Mortgage Broker

Fleet Mortgages

Fleet Mortgages is a specialist lender with over 15 years of experience in the buy-to-let market. They focus on providing flexible HMO and portfolio mortgage solutions with competitive rates and excellent service standards.

  • Up to 75% LTV available
  • Portfolio lending specialists
  • Limited company mortgages

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.

Fleet Mortgages HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • Yes:LLPs
  • No:Offshore companies

Experience and credit

  • No:First-time landlordsMinimum 12 months buy-to-let experience required. Portfolio landlords preferred.
  • No:No property experience needed
  • Yes:Adverse credit consideredMinor adverse credit considered on case-by-case basis. No recent mortgage arrears or CCJs within 12 months.
  • Yes:Borrowers aged 21 to 80

How to apply

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

Frequently Asked Questions

Common questions about Fleet Mortgages and their HMO mortgage services.

What are Fleet Mortgages's HMO mortgage rates?

Fleet Mortgages 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 Fleet Mortgages's borrower criteria?

Fleet Mortgages requires experience from experienced landlords. Adverse credit is considered on a case-by-case basis. Minimum age: 21 years, maximum age: 80 years.

Does Fleet Mortgages accept intermediary applications?

Fleet Mortgages accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does Fleet Mortgages offer?

Fleet Mortgages offers Hmo Mortgages, Hmo Remortgages, Portfolio, Limited Company. Contact us to discuss your specific requirements and find the best solution for your property investment needs.