About HMO Fund

We arrange HMO finance for limited companies, professional landlords and investors across the UK. Whether you are buying a ready-made HMO, converting a house, refurbishing, refinancing or building a larger scheme, we source the mortgages and short-term finance that fit the property, the room count and your experience.

What we do

We work with whole-of-market HMO lenders to find terms that fit the property and your plan. Because an HMO is lent against its rental income and its licensing and valuation are more specialist than a plain buy-to-let, we spend our time on the detail that lenders care about: the room count and rents, the use class and Article 4 position, the licensing plan, and a credible exit on any bridge.

How we work

Tell us the value or purchase price, the room count, the expected rents and the licensing and planning position. We come back with indicative terms at no charge, then place the case with the lenders whose criteria fit. HMO finance for companies and investors is a form of commercial finance and is not regulated by the Financial Conduct Authority; where a case would be a regulated mortgage contract, for example a consumer buy-to-let, we refer it to an appropriately authorised firm.

Who we are

Content on this site is written by Matt Lenzie. HMO Fund is a trading name of Lenzie Consulting Ltd, a commercial finance brokerage. We are a broker and introducer, not a lender, and nothing here is financial, legal, planning or tax advice.