HMO & multi-unit mortgage
The short answer
Lending for HMOs and multi-unit blocks
- Price from
- On quote
- Time on site
- 1 to 2 hours
What you get
You get a consultation with a specialist broker experienced in HMO and multi-unit property finance, who will help find suitable lending options.
See your price and free times
Enter your postcode to see the cheapest price for HMO & multi-unit mortgage near you and the next available times.
When do you need a HMO & multi-unit mortgage?
You need an HMO or multi-unit mortgage if you are purchasing, refinancing, or remortgaging a property that is, or will be, rented out to multiple tenants as an HMO, or consists of several self-contained flats under one freehold.
What happens on the day
A specialist broker will discuss your experience as a landlord, your financial situation, and the specifics of the HMO or multi-unit property. They will outline suitable mortgage products, interest rates, and lending criteria.
How to prepare
- Proof of identity and address
- Details of your property portfolio (if applicable)
- Proof of your income and outgoings
- Details of the HMO or multi-unit property (number of bedrooms/units)
- Anticipated or current rental income
How to improve your result
- Ensure your property meets all HMO licensing requirements.
- Have a clear business plan for your HMO or multi-unit property.
- Maintain excellent records of your rental income and expenses.
- Work with experienced letting agents for tenant management.
Why it is useful day to day
HMO and multi-unit mortgages allow investors to maximise rental yield from a single property, providing a potentially higher return on investment than traditional buy-to-let properties. They support growth in the professional landlord sector.
Why we ask these questions
We ask about your property and landlord experience to assess the specific risks and income of an HMO or multi-unit property. This includes tenant numbers, rental income, and property layout, to match you with appropriate specialist lenders.
Frequently asked questions
Often needed alongside
Let-to-buy mortgage
Let your home and buy another
Auction finance
Fast funding to complete within auction deadlines
Bridging finance
Short-term loans for purchases and chains
Buy-to-let mortgage
Mortgages for rental property
Limited company buy-to-let
SPV mortgages for company landlords
Refurbishment finance
Light and heavy refurbishment loans
Second charge loan
Secured borrowing without remortgaging
Commercial mortgage
Mortgages for commercial and mixed use