Compare today's best-buy HMO mortgages by deposit size, then talk to our advisers about licensing, multi-let rental income, and specialist lender criteria.
Mortgages for HMO Purchase
Buying a house in multiple occupation (HMO) can deliver significantly higher rental yields than a standard single-let, but HMO mortgages are assessed against specialist criteria. Lenders look at the property's licensing status, room-by-room rental income, and your track record as an HMO landlord, not just a simple valuation.
Our advisers compare HMO buy-to-let products across specialist lenders who understand multi-let properties, stress-testing rental coverage, navigating licensing requirements, and handling the application so the finance doesn't hold up your purchase.
HMO Purchase Mortgages
HMO lenders typically require a larger deposit than standard buy-to-let, usually 25% or more, and the deposit you can put down directly affects which specialist lenders will consider you and the rates on offer. Use the tabs below to compare today's lowest true-cost HMO purchase deals across different deposit sizes.
These tables show illustrative best-buy deals for a typical HMO purchase. Your own rate and options depend on your circumstances. Speak to an adviser for a personalised comparison.
Explore our HMO purchase resources
From licensing and planning requirements to room-by-room rental assessment and portfolio experience criteria, we've pulled together everything you need to understand HMO finance in one place.
How our HMO mortgage service works
Tell Us About You
Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.
Mortgage Match
We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.
Meet your Expert
We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.
HMO lenders we work with
As an independent broker we search deals from a wide panel of specialist HMO and buy-to-let lenders, not just one. That means more options for your HMO purchase, including lenders who'll consider licensed and licensable properties, multi-let room-by-room valuations, and experienced portfolio landlords.
Ready to talk through your HMO purchase?
Tell us about the property, your licensing position, and your portfolio plans, and one of our advisers will come back with clear, no-pressure guidance on your next steps.
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
- [email protected]
- Postal address
-
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
Looking for a career in Mortgage Advice? View job openings.
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.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX