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The HMO Mortgage Broker

Yorkshire Building Society

Yorkshire Building Society (YBS) is one of the UK's largest building societies. Through its intermediary channel, Accord Mortgages, it offers a range of buy-to-let products, including options for landlords with HMO properties.

  • Major UK building society
  • Mortgages offered via Accord Mortgages
  • Competitive rates for standard cases

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.

Yorkshire Building Society HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

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

Experience and credit

  • Yes:First-time landlordsFirst-time landlords are accepted.
  • Yes:No property experience needed
  • No:Adverse credit consideredRequires a clean credit history. Unsuitable for any significant adverse credit.
  • Yes:Borrowers aged 18 to 80

How to apply

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

Frequently Asked Questions

Common questions about Yorkshire Building Society and their HMO mortgage services.

What are Yorkshire Building Society's HMO mortgage rates?

Yorkshire Building Society 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 Yorkshire Building Society's borrower criteria?

Yorkshire Building Society accepts first-time landlords. Good credit history is typically required. Minimum age: 18 years, maximum age: 80 years.

Does Yorkshire Building Society accept intermediary applications?

Yorkshire Building Society accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does Yorkshire Building Society offer?

Yorkshire Building Society offers Hmo Mortgages, Hmo Remortgages, Portfolio. Contact us to discuss your specific requirements and find the best solution for your property investment needs.