HMO mortgage guides for investors

Our HMO mortgage guides provide essential insights for landlords and property investors looking to finance Houses in Multiple Occupation (HMOs). Whether you're purchasing your first HMO, refinancing an existing property, or expanding your portfolio, our expert guides cover everything you need to know.

HMOs can offer higher rental yields compared to standard buy to let properties, but they also come with stricter mortgage criteria, licensing requirements, and additional management responsibilities. Our guides explain the key differences between HMO mortgages and standard buy to let loans, including lender criteria, valuation processes, and affordability assessments.

We explore the benefits and risks of investing in HMOs, covering topics such as tenant demand, running costs, and potential regulatory changes. You’ll also find step-by-step advice on securing an HMO mortgage, from deposit requirements to lender preferences and the impact of property size and tenant numbers on financing options.

For landlords considering limited company structures, refinancing options, or ways to maximise rental income, our in-depth resources provide the latest market insights and practical advice.

Browse our collection of expert guides to navigate the HMO mortgage market with confidence and secure the best financing solutions for your investment strategy. 

Please be aware that these guides are for information only and should not be interpreted as financial, tax or legal advice.

If you need help with finance for a property you have put an offer on, click through to read about how to get a HMO mortgage with the help of our broker team, call us on the number above, or enquire online.