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The HMO Mortgage Broker

Octopus Real Estate

Octopus Real Estate, part of the Octopus Group, is a leading specialist real estate lender and investor. They provide flexible, customer-focused financing solutions across the property lifecycle, including bridging, buy-to-let, and development finance.

  • Bridging and development finance
  • Buy-to-let for specialist properties
  • Focus on residential, commercial, and development sectors

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.

Octopus Real Estate 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 in property investment and development is required.
  • No:No property experience needed
  • Yes:Adverse credit consideredCan consider some adverse credit, assessed 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 Octopus Real Estate and their HMO mortgage services.

What are Octopus Real Estate's HMO mortgage rates?

Octopus Real Estate 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 Octopus Real Estate's borrower criteria?

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

Does Octopus Real Estate accept intermediary applications?

Octopus Real Estate accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does Octopus Real Estate offer?

Octopus Real Estate offers Hmo Mortgages, Hmo Remortgages, Hmo Bridging Finance, Hmo Development Finance, Portfolio, Limited Company. Contact us to discuss your specific requirements and find the best solution for your property investment needs.