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The HMO Mortgage Broker

Landbay

Landbay is a specialist buy-to-let mortgage lender, providing a range of products for portfolio landlords, first-time landlords, and limited companies. They are known for their use of technology to streamline the application process.

  • HMOs and MUFBs up to 12 units
  • No minimum income for portfolio landlords
  • First-time landlords accepted

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.

Landbay 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

  • Yes:First-time landlordsFirst-time landlords accepted. For HMO/MUFB properties, applicants must have a minimum 12 months experience as a landlord.
  • No:No property experience needed
  • No:Adverse credit consideredNo adverse credit history accepted. Applicants must have a clean credit record.
  • Yes:Borrowers aged 25 to 95

How to apply

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

Frequently Asked Questions

Common questions about Landbay and their HMO mortgage services.

What are Landbay's HMO mortgage rates?

Landbay 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 Landbay's borrower criteria?

Landbay accepts first-time landlords. Good credit history is typically required. Minimum age: 25 years, maximum age: 95 years.

Does Landbay accept intermediary applications?

Landbay accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does Landbay offer?

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