HMO Mortgages

Benefits of using the HMOHub Exclusive Mortgage Broker

  • Loan Terms from 2 to 35 Years
  • Full Market Access to over 100+ Lenders
  • Interest Only & Flexible Lending Terms
  • 100% LTV available with additional security
  • First time landlords also welcome
  • For Multi Lets to Licensed HMOs
  • Typical No Broker Fee
  • No Upfront Fees
  • LTV from 35 – 85%
  • Rates from 1.29%

At HMOHub, we have teamed up with a specialist mortgage broker and together approached lenders to create some exclusive products, just for the HMOHub community.

LTV Rate Term Type Arrangement Fee Broker Fee
85% 4.64% 2 Year Discounted 2.50% £0 Enquire Now
85% 4.59% 2 Year Fixed 2.50% £0 Enquire Now
80% 3.65% 3 Year Fixed 1% £0 Enquire Now
75% 1.97% 2 Year Fixed £1000 £0 Enquire Now
75% 3.60% 2 Year Fixed £0 £0 Enquire Now
75% 3.86% 2 Year Fixed £150 £0 Enquire Now
65% 3.84% 2 Year Discounted £0 £0 Enquire Now
65% 2.84% 2 Year Fixed 2% £0 Enquire Now
60% 2.15% 5 Year Fixed £1999 £0 Enquire Now
60% 1.29% 2 Year Tracker £2499 £0 Enquire Now

At HMOHub, we truly understand the HMO mortgage market and work with, and have access to, specialist lenders with products designed specifically for HMO and multi-let properties.

We have access to the whole of the market to provide landlords mortgages for properties let as HMOs. Lenders we utilise range from mainstream Buy-to-let mortgage lenders to Commercial mortgage lenders offering finance for large HMO properties. We also arrange short-term and mortgage finance for converting existing dwellings into HMOs or converting property into self-contained flats.

Lending on HMO properties needs to fit both the borrower and the lender mutually. Often we come across investors trying to use normal or vanilla BTL products which then end up getting them in trouble with mortgage lenders, who subsequently find out that the property is being used as an HMO. In extreme cases we have heard of lenders giving very short notice periods to landlords, and decide to recall their loans with immediate effect.

As a specialist HMO platform we have relationships with all major HMO lenders and have access to products then are not available on the open market. This means we can help you find the right product for the right property and ensure you are fully compliant.

  • Aldermore Mortgages
  • Axis Bank
  • Barclays Bank
  • Fleet Mortgages
  • Interbay
  • Kent Reliance
  • Keystone
  • Leeds BS
  • Melton Mowbray BS
  • Paragon Mortgages
  • Post Office
  • Precise Mortgages
  • Shawbrook Bank
  • Stafford Railway BS
  • The Mortgage Works
  • Bath BS
  • Birmingham Midshires
  • Together
  • Cambridge & Counties
  • Dragonfly
  • BLME
  • Lloyds
  • UBS
  • Saffron

MORTGAGE QUOTE: 0203 900 0152

£0 No Broker Fee, Typically

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