Kent Reliance HMO Mortgages: Closed to New BTL — Past Criteria & Alternatives

Kent Reliance for Intermediaries closed new buy-to-let and residential applications on 17 December 2025. Last HMO figures from the last product guide before new business closed on 17 December 2025: up to 20 bedrooms, 80% LTV. New OSB Group BTL is via Rely. Historic rates are not a live offer.

New term BTL closed 17 December 2025
Last guide: HMOs up to 20 bedrooms
Last guide: up to 80% LTV

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.

Yes:HMO Mortgages
Yes:HMO Remortgages
No:HMO Bridging
No:HMO Development

Kent Reliance HMO mortgage rates are historical. New term buy-to-let closed on 17 December 2025, so there is no live KRFI rate card. The table is from the last product guide before new business closed on 17 December 2025, not an offer you can apply for today. New OSB Group buy-to-let is via Rely. For a live HMO case see HMO mortgages or compare HMO mortgage lenders.

HMO criteria at a glance

Last product guide before new business closed on 17 December 2025 (KRFI products page, checked 22 October 2026). Historical criteria only — not live rates. Write Not published where the live products page does not restate the rule.

Item	Last published	Source
Max beds	Up to 20 bedrooms/units	Last KRFI guide before 17 Dec 2025 closure
Max LTV	Up to 80%	Last KRFI guide before 17 Dec 2025 closure
ICR	125% Ltd / 145% personal on single dwellings and HMO ≤6 rooms; 140% Ltd / 175% personal on HMO 7–20 rooms, multi-house freeholds and 5–6 bed investment valuations	Last KRFI guide before 17 Dec 2025 closure
Ltd company	Yes — newly formed SPVs and LLPs	Last KRFI guide before 17 Dec 2025 closure
First-time landlord	Yes on ≤6 lettable rooms; no on 7–20 rooms	Last KRFI guide before 17 Dec 2025 closure
Licence	Not published	Live KRFI products page, 22 Oct 2026
Valuation basis	Investment valuations on certain 5 and 6 bed HMOs; specialist or complex scale by room count	Last KRFI guide before 17 Dec 2025 closure
Headline rate	From 3.34% on the last guide — historic, not live	Last KRFI guide before 17 Dec 2025 closure

HMO products offered

The last guide priced BTL and HMO stock, including MUFBs up to 20 units, personal name and limited company. That range is withdrawn for new applications. KRFI still services existing borrowers: product transfers remain; further advances stopped after 17 December 2025; shared-ownership staircasing continues for existing customers. A new HMO purchase or remortgage is placed elsewhere.

Who this lender suits / does not suit

Suits an existing Kent Reliance HMO borrower who wants a product transfer on the current book. Does not suit a new-term HMO, a first-time landlord buying a seven-to-twenty-room house, or anyone who needs a further advance. Those cases go to a live specialist — or to Rely if you want the OSB Group BTL brand.

How to apply through a broker

Tell us if the loan is a Kent Reliance product transfer or a new HMO case. Transfers stay with KRFI. New term HMO business is matched to a lender still writing it. There is no charge for an initial quote and no promised approval. Use a calculator only as a sketch — Kent Reliance HMO mortgage rates on the last guide are not the rate you will be offered today.

Similar HMO lenders

For live term HMO criteria compare The Mortgage Works, Shawbrook and Paragon, or compare HMO mortgage lenders side by side.

Next step: quote / speak to a specialist

Send the bedroom count, the planning use and whether this is a Kent Reliance transfer or a new loan. We will not send a new purchase to a closed BTL desk.

Related reading: compare HMO mortgage lenders and HMO mortgages.

FAQs

Kent Reliance HMO Mortgages: Closed to New BTL — Past Criteria & Alternatives: published criteria, not a live rate card.

What are the current interest rates for home loans in England?

Kent Reliance for Intermediaries is not quoting new home-loan or buy-to-let rates. New term BTL closed on 17 December 2025. There is no live headline on this page.

What does Martin Lewis say about mortgage rates?

Martin Lewis does not publish Kent Reliance HMO mortgage rates. This page uses the last KRFI intermediary guide, not a consumer-show figure.

Can I get a 200k mortgage on 40k salary?

An HMO loan is assessed on stressed rent versus the loan, not a residential income multiple. A £200,000 HMO case does not turn on a £40,000 salary. There is no salary rule on this page.

What are the current HMO mortgage rates for Ltd companies?

Not published as a live Kent Reliance offer. The last product guide before new business closed on 17 December 2025 showed company rental-cover tests; it did not keep a live Ltd-company rate card after that date. New OSB BTL is via Rely.

What are the current mortgage rates for HMOs?

Kent Reliance HMO mortgage rates are not a live new-business card. The last product guide before new business closed on 17 December 2025 showed rates from 3.34%. That is historic, not an offer.

Are HMO mortgages more expensive?

Specialist HMO products often price above vanilla single-let buy-to-let because underwriting and valuation cost more. That is not a published Kent Reliance headline. Compare a dated illustration from a lender still writing new HMO loans.

Why are we doing this?

OSB Group launched Rely as its dedicated buy-to-let brand and withdrew Kent Reliance for Intermediaries from new BTL and residential business (KRFI products page, checked 22 October 2026).

Where can I place new business?

KRFI directs new buy-to-let to Rely and residential/bridging to Precise. We place new HMO term cases on the live specialist panel — see compare HMO mortgage lenders.

How will this affect me?

Existing Kent Reliance borrowers can still product-transfer. Further advances stopped after 17 December 2025. A new HMO purchase or remortgage is not a new KRFI BTL application.

Will new buy to let and residential applications still be accepted?

No. KRFI says all buy-to-let and residential products were removed on 17 December 2025. Existing customers can still switch products.

I have an application in progress, what happens to that?

KRFI says applications received before 17 December 2025 continue under the same terms and service standards.

Will staircasing be available to existing shared ownership customers?

Yes. KRFI says it will continue to process staircasing for existing shared-ownership customers under the same terms. That is not an HMO product.