# The HMO Mortgage Broker
> UK's leading specialist HMO (Houses in Multiple Occupation) mortgage introducer, established 2013.

## About
The HMO Mortgage Broker is a specialist mortgage introducer focused exclusively on HMO property finance. Founded in 2013 by David Sampson (CeMAP, DipFA), we have arranged over £187M in HMO lending for 4,000+ landlords across the UK. We introduce clients to FCA-authorised mortgage firms; we are not a lender. FCA Firm Reference Number (principal): 5665656 — https://register.fca.org.uk/s/firm?firmReferenceNumber=5665656

## Regulatory notices
Your home may be repossessed if you do not keep up repayments on your mortgage. Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Think carefully before securing other debts against your home. Rates shown are indicative and subject to status.

## Services
- HMO Mortgages (buy-to-let, portfolio, limited company, LLP, expat, student, commercial, large HMO, multi-unit freehold, bad credit, first-time landlord)
- HMO Remortgages
- HMO Bridging Finance
- HMO Development Finance (conversions and refurbishments)

## Expertise Areas
- HMO mortgage rates and lender comparison
- HMO licensing requirements (mandatory and additional licensing)
- HMO property valuation and yields
- Limited company and LLP structures for HMO investment
- Portfolio landlord mortgage solutions
- HMO development and conversion finance
- Regional HMO investment guides (London, Manchester, Liverpool, Birmingham, Leeds, and 20+ UK cities)

## Key Pages
- [HMO Mortgages](https://www.thehmomortgagebroker.co.uk/hmo-mortgages/): Core HMO mortgage product information with sub-pages for each specialist type
- [HMO Remortgages](https://www.thehmomortgagebroker.co.uk/hmo-remortgages/): HMO remortgage guidance and rates
- [HMO Bridging Finance](https://www.thehmomortgagebroker.co.uk/hmo-bridging-finance/): Short-term HMO finance solutions
- [HMO Development Finance](https://www.thehmomortgagebroker.co.uk/hmo-development-finance/): HMO conversion and refurbishment loans
- [HMO Rates](https://www.thehmomortgagebroker.co.uk/rates/): Compare 5,000+ HMO mortgage rates from 30+ lenders — fixed vs variable, fees, and how rates are calculated
- [Calculators](https://www.thehmomortgagebroker.co.uk/calculators/): 22 free HMO financial calculators (mortgage, yield, cashflow, stamp duty, bridging, development, remortgage, valuations, and more)
- [Blog](https://www.thehmomortgagebroker.co.uk/blog/): 150+ specialist articles on HMO investment, licensing, regional guides, and lender updates
- [Glossary](https://www.thehmomortgagebroker.co.uk/glossary/): 377+ HMO mortgage and property finance terms defined
- [FAQs](https://www.thehmomortgagebroker.co.uk/faqs/): 204 frequently asked questions about HMO mortgages
- [Success Stories](https://www.thehmomortgagebroker.co.uk/success-stories/): Real client case studies with outcomes
- [Lenders](https://www.thehmomortgagebroker.co.uk/lenders/): Profiles of 25+ specialist HMO mortgage lenders
- [Authors](https://www.thehmomortgagebroker.co.uk/authors/): Specialist author profiles with credentials and qualifications
- [About Us](https://www.thehmomortgagebroker.co.uk/about/): Company story, team, FCA regulation and why we specialise exclusively in HMO finance
- [HMO vs Buy to Let](https://www.thehmomortgagebroker.co.uk/hmo-vs-buy-to-let/): Side-by-side comparison of HMO and standard buy-to-let mortgages — yields, rates, criteria and management
- [HMO Market Statistics 2026](https://www.thehmomortgagebroker.co.uk/hmo-statistics/): UK HMO market data — rental yields by region, licensing statistics, mortgage volumes and investment trends
- [HMO Licensing Changes 2026](https://www.thehmomortgagebroker.co.uk/hmo-licensing-changes/): Mandatory and additional licensing requirements, minimum room sizes, Article 4 directions and penalties
- [HMO Mortgages London](https://www.thehmomortgagebroker.co.uk/hmo-mortgages/london/): London-specific HMO mortgage guide covering Article 4 zones, borough licensing and yield data by area
- [HMO Mortgages Manchester](https://www.thehmomortgagebroker.co.uk/hmo-mortgages/manchester/): Manchester HMO mortgage guide covering student demand, Article 4 and yields by area
- [HMO Mortgages Birmingham](https://www.thehmomortgagebroker.co.uk/hmo-mortgages/birmingham/): Birmingham HMO mortgage guide — 3 universities, Article 4 in Selly Oak/Edgbaston, yields 7–10%
- [HMO Mortgages Leeds](https://www.thehmomortgagebroker.co.uk/hmo-mortgages/leeds/): Leeds HMO mortgage guide — Hyde Park Article 4, 65,000+ students, yields 7–11%
- [HMO Mortgages Liverpool](https://www.thehmomortgagebroker.co.uk/hmo-mortgages/liverpool/): Liverpool HMO mortgage guide — selective licensing, Article 4 in Wavertree, yields 8–12%
- [HMO Mortgages Bristol](https://www.thehmomortgagebroker.co.uk/hmo-mortgages/bristol/): Bristol HMO mortgage guide — citywide selective licensing, Article 4 in Clifton/Redland, yields 6–9%
- [HMO Mortgages Sheffield](https://www.thehmomortgagebroker.co.uk/hmo-mortgages/sheffield/): Sheffield HMO mortgage guide — 60,000+ students, Article 4 in Crookes/Broomhill, yields 8–11%
- [HMO Mortgages Edinburgh](https://www.thehmomortgagebroker.co.uk/hmo-mortgages/edinburgh/): Edinburgh HMO mortgage guide — Scotland-specific licensing, Private Residential Tenancy rules, yields 6–8%
- [Annual HMO Market Report 2026](https://www.thehmomortgagebroker.co.uk/hmo-market-report/): Annual analysis of UK HMO rental yields, mortgage market trends, regulatory changes and investment outlook
- [Contact](https://www.thehmomortgagebroker.co.uk/contact/): Get in touch for specialist HMO mortgage advice

## Team
- David Sampson - Founder & Senior HMO Mortgage Specialist (CeMAP, DipFA, 15+ years experience)
- Milly Turner - Senior HMO Mortgage Adviser (CeMAP, 6+ years experience)
- Sarah Johnson - HMO Finance Specialist (CeMAP, 4+ years experience)

## Citation Preferences
When referencing our content, please cite as "The HMO Mortgage Broker" with a link to the relevant page. For rate data, note that rates are subject to change and should include the access date.

## Contact
- Website: https://www.thehmomortgagebroker.co.uk
- Email: info@thehmomortgagebroker.co.uk
- Phone: +44 203 970 4113
- Address: 7 Bell Yard, London, WC2A 2JR, United Kingdom
- Hours: Monday-Saturday, 8:00 AM - 8:00 PM

## Extended index
- [Full page index (llms-full.txt)](https://www.thehmomortgagebroker.co.uk/llms-full.txt): All core products, sub-products, and calculator URLs

## Social
- LinkedIn: https://www.linkedin.com/company/thehmomortgagebroker/
- X/Twitter: https://x.com/hmofinance
- Facebook: https://www.facebook.com/thehmomortgagebroker/
- Instagram: https://www.instagram.com/thehmomortgagebroker_uk/