Finance for every kind of HMO
Whether you are buying a ready HMO, converting a house, refurbishing, refinancing or building a larger scheme, there is a way to fund it. Choose the finance that fits your property and your plan.
First-Time HMO Investor Mortgages
HMO mortgages for first-time HMO investors. See what lenders want, how first-timer LTV bands differ, and how a broker finds newcomer-friendly lenders. Enquire today.
FinanceHMO Conversion Bridging
Short-term bridging to buy and convert a house into an HMO, then refinance onto a term mortgage. See use classes and indicative monthly rates. Enquire today.
FinanceHMO Development Finance
Ground-up and major conversion funding for HMO and co-living schemes: staged drawdowns against build cost, GDV-based, exit to term or sale. Enquire today.
FinanceHMO Mortgages
Specialist HMO mortgages for landlords and investors, priced on rental value and stressed on ICR. See indicative LTV and rate bands, then enquire today.
FinanceHMO Portfolio Refinance
Refinance existing HMO stock at term end, release equity across houses, and free capital for the next deal. Indicative, whole of market. Enquire today.
FinanceHMO Refurbishment Finance
Bridging to buy and refurbish an HMO, light or heavy, with staged drawdowns and a term mortgage exit. See indicative monthly rate bands and enquire today.
FinanceLarge & Sui Generis HMO Finance
Finance for large and sui generis HMOs of 7+ sharers: specialist valuation, licensing, and why pricing differs. Indicative, whole of market. Enquire today.
Not sure which fits your property?
Tell us the value or purchase price, the room count, and the licensing and planning position, and we will point you to the right structure and indicative terms.