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First Time Landlord HMO Mortgages
First HMO Purchase: 5-Bed Nottingham
A salaried first-time landlord secured HMO finance for a five-bedroom property near Nottingham Trent University with no prior portfolio history.
Key metrics
- Loan amount
- £199,500
- Interest rate
- 5.4%
- Time to complete
- 6 weeks
- Bedrooms
- 5
- LTV
- 70%
- Location
- Nottingham
The Challenge
James had strong employed income but no landlord track record. Several lenders declined because he had never held a buy-to-let or HMO mortgage before.
Our Solution
We placed the case with a first-time-landlord-friendly specialist, evidenced strong local student demand, and arranged professional management from day one to satisfy underwriting.
Testimonial
“I assumed I needed years of experience before lenders would speak to me. The team structured the application around the property's income and my management plan, not just my empty landlord CV.”
Free initial review
Speak to an HMO specialist
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Call 0203 970 4113