Home > Mortgages > HMO Mortgages


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.


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We Gather Information Required to Search the Market

We gather some basic information about you using our quick online form

Conduct a Whole of the Market Comparision

We will search 100’s of providers to find you the lenders who are willing to approve your mortgage

Provide full service through to completion

We will show you rates along with the monthly repayments. This will not affect your credit score. We’ll also explain any fees if you progress at this point and as long as you are happy to proceed, provide you with the full service through to completion of your mortgage being accepted

Customer Reviews


How we work?
By making an enquiry we will contact you to discuss your needs and outline if we can be of assistance. We will then request a copy of your credit file for a qualified adviser to review. After a full review of your credit profile the adviser will discuss this with you, provide advice and discuss possible quotations.

If you wish us to proceed and get a ‘Decision in Principle’ we can do so. Once we have a decision from the lender we will discuss and email you a formal quotation and outline our process going forward.
What sort of bad credit do you accept?
We have lenders that will accept clients who have had County Court Judgements (CCJ’s), Defaults, Missed payments, Debt Management Plans (DMP), Individual Voluntary Arrangements (IVA) and discharged bankruptcy. The general rule is that any bad credit needs to be registered over a year ago.
Do I need a deposit / equity?
Yes. You will need a minimum of a 20% deposit however, this is does depend on the level of bad credit that you have, so for example, if you have had CCJ’s/mortgage arrears in the last 2 years you may need to have 25%+ deposit.
How long does a HMO mortgage take to arrange?
Once a Decision in Principle (DIP) has been done the typical arrangement times from mortgage application to offer is 1 month. Specialist bad credit mortgages do take more time when compared to standard high street mortgages, due to the extra due diligence that is required on these cases.
I have a low credit score – does that matter?
No. We have lenders some of whom are high street Building Societies that will lend to you if you simply have a low credit score, due to not being on the voters roll or not having much active credit. If you have a low credit score as a result of bad credit (CCJ’s/defaults/missed payments etc) we certainly have specialist lenders that can help.
I have been declined by other brokers – can you help?
The key to this question is why you were declined. We provide an advised service, so if we cannot help you now, we will explain why and provide advice as to what you need to do to be able to get a mortgage in the future.

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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