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Liverpool Freehold: Eight-Room HMO Cluster
Purchased a large terraced freehold configured as eight en-suite rooms with shared kitchen, financed as a multi-unit freehold HMO.
Key Metrics
£364,000
Loan Amount
4.9%
Interest Rate
8 weeks
Time to Complete
8
Bedrooms
70%
LTV
Liverpool
Location
£364,000
Loan Amount
4.9%
Interest Rate
8 weeks
Time to Complete
8
Bedrooms
70%
LTV
Liverpool
Location
The Challenge
The investor wanted to consolidate an existing portfolio loan and add this freehold asset, but the room-cluster layout confused standard residential underwriters.
Our Solution
We structured a multi-unit freehold application highlighting en-suite demand in the area, provided HMO licence and fire safety certification, and negotiated portfolio-style pricing.
Testimonial
"Room-cluster freeholds are niche. We needed a broker who could explain the layout to the lender in plain English — and get it funded without treating it as a commercial bridge."
MPG
Mersey Property Group
Experienced HMO Investor