Bespoke Finance

Buying an HMO? Compare HMO buy-to-let mortgage products and stress-test rental coverage against specialist lender criteria.

Mortgages for HMO Purchase

Mortgages for HMO Purchase

Buying a house in multiple occupation (HMO) can offer higher rental yields than a standard single-let, but HMO mortgages are assessed differently. Lenders typically look at the property's licensing status, room-by-room rental income, and your experience as an HMO landlord.


How we can help

  • Comparing HMO buy-to-let products across the market
  • Stress-testing rental coverage against HMO lender criteria
  • Supporting applications for licensed and licensable HMOs
  • Advising on deposits, valuations and management considerations

Important information

A mortgage is a loan secured against your property. Your property may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate some buy-to-let mortgages.

Get in touch

We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.

Phone number
01133 205 902
Postal address
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX

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FCA Authorised

We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

British Company

Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX