Borrow £25,000 to £2.5 Million.
Up to 85% LTV.
Unlicensed and Licensed HMO's.
Any Size HMO's.
Purchase, Remortgage & Secure Loans.
Interest Only or Repayment Terms.
Professional DSS or Student Tenants.
Rate from 3.14%.


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Applying for a mortgage can seem daunting. It can sometimes be a complicated and lengthy process and the choices can seem overwhelming and hard to comprehend. We understand and we are here to help you…

At the Money Hub we can advise and help you choose the right mortgage. We can even help you secure funds if you have a bad credit history. We will help you to understand the conditions of your mortgage, giving you a full detailed breakdown along with the lenders details. Naturally, the most important thing is to make sure you will be able to afford the repayments.

HMO Mortgages


(not all lenders displayed - not specific to your personal circumstances)

Customer Reviews

HMO Mortgages

HMO mortgages, or homes in multiple occupation is a mortgage available when a number of people co habit and share house facilities such as bathrooms and kitchens. Often referred to as a house share. 3 or more people living in the same household that are not related constitute a house share and the types of property that may be eligible for an HMO Mortgage include houses converted into bedsits, shared flats that are self contained, lodging houses, workers accommodation, student share houses and converted hotels or bed and breakfast establishments.

Typically landlord swill look at HMO Mortgages as a way to fund their properties. A license is required to operate an HMO, typically a large HMO defined as 5 or more people living together or where tenants share bathrooms and kitchen facilities.

HMO Mortgages are a relatively specialist area of lending and there are certain regulations that need to be adhered to to qualify and classify as an HMO. Many landlords are aware of these but people entering the market will need advice from experienced professionals to help them navigate the opportunities.

Where to start looking for an HMO mortgage is one key element. Some mainstream enders offer HMO mortgages but this area of specialisation lends itself to experienced lenders that can expedite the application process whilst explaining the legal requirements surrounding Hmo and what will and will not qualify for an HMO Mortgage.

Our experienced team can help with explaining in detail HMO mortgages and can assist with any application that you may want to make to a lender. Get in touch today for expert impartial advice.



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