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Mortgages for Houses in Multiple Occupation (HMOs)

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Buy-to-let Let Direct specialises in helping landlords find HMO mortgage rates to suit complex, individual requirements. We have access to a comprehensive panel of HMO mortgage lenders who offer HMO finance, giving you the widest selection of HMO specific products to choose from.

HMOs have always been a popular choice with professional landlords looking to increase rental yields due to the potential provided by having multiple paying tenants. At Buy-to-let Direct we deal with HMO mortgage enquiries on a daily basis and have around 25 different lenders on our panel who consider this type of property.

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There are a number of factors that always come into consideration when handling HMO finance applications, but we are confident we can find the right HMO mortgage for you. Buy-to-let Direct’s experts place these cases every day so here are our top tips for sourcing HMO mortgages


Assured Shorthold Tenancies (ASTs)

Check the number of ASTs you have in place with your HMO tenants. Some HMO mortgage lenders accept multiple ASTs and others will only accept one.



Most HMO mortgage lenders will only expect to see one kitchen and one living room in an HMO. If the property has more shared facilities, you may need to approach a specialist buy-to-let lender.


Tenant type

Your HMO property might have a specific tenant type, so we can check buy-to-let lending criteria for DSS tenants, students and vulnerable tenants to find the right HMO mortgage for you.


No. of rooms and size

HMO mortgage lenders have specific criteria on how many bedrooms they will accept in the property. Buy-to-let Direct works with lenders ranging from a maximum of 4 bedrooms to those with no limit at all. Checking minimum room sizes is also important as new HMO regulations stipulate a minimum of 6.51 square metres for an adult bedroom.


HMO licensing

Check your HMO property is correctly licensed. Properties with 5 or more bedrooms, occupied by more than 1 household, who are sharing facilities will (as of October 2018) need to be a licensed with the local authority. HMO mortgage lenders will require the appropriate licence to be in place before releasing funds.

If you have an HMO property and are looking for an HMO mortgage or HMO remortgage, you can feel confident that Buy-to-let Direct has all the expertise and experience to help you find the most suitable HMO mortgage rates to meet your individual needs.

This website aims to give you general information. It is not advice, nor can it take account of your own particular circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of mortgages.

Buy-to-Let Direct Limited: registered in England no. 06664758 : Regus House, Malthouse Avenue, Cardiff Gate Business Park, Mid Glamorgan, Cardiff, CF23 8RU. Buy-to-Let Direct is an Appointed Representative of The Business Mortgage Company Services Ltd, which is authorised and regulated by the Financial Conduct Authority (No. 302764) to transact regulated mortgages and registered as a Consumer buy to let arranger. The FCA does not regulate some investment mortgage contracts.