Compare today's best-buy HMO remortgage rates by equity level, then talk to our mortgage advisers about timing your switch, maximising your rental coverage, and releasing equity from your multi-let.
Mortgages for HMO Remortgage
When your HMO's fixed or tracker rate ends, remortgaging is your chance to move to a sharper deal, release equity for further investment, or restructure the property within your portfolio. But HMO remortgages are assessed differently from standard buy-to-let. Lenders will re-examine your licensing, room-by-room rental income, and the property's specialist valuation, and most will stress-test the deal harder because HMOs are treated as higher-risk assets.
Our mortgage advisers compare HMO remortgage products across the specialist lender market, including lenders mainstream brokers don't access, and handle the reassessment and application alongside your licensing and valuation so the switch doesn't become another project on your plate.
HMO remortgage rates by equity level
HMO remortgage rates are set by your current loan-to-value (LTV), how much of the property's value you're borrowing against. The more equity you hold, the wider the lender pool and the sharper the rates. Use the tabs below to compare today's lowest true-cost HMO remortgage deals across different equity levels.
These tables show illustrative best-buy deals for a typical HMO remortgage. Your own rate and options depend on your property, tenancy set-up and circumstances. Speak to a mortgage adviser for a personalised comparison.
Explore our HMO remortgage resources
From timing your switch before your deal ends, to maximising your interest coverage ratio and handling re-licensing, we've pulled together everything you need to remortgage your HMO with confidence.
How our HMO remortgage 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 remortgage lenders we work with
As an independent broker we search deals from a wide panel of high-street and specialist HMO lenders, not just one. That means more options when you remortgage, including lenders who'll consider multi-let valuations, Article 4 areas, local licensing variations, and portfolio structures.
Ready to talk through your HMO remortgage?
Tell us about your property, tenancy set-up, and goals, and one of our mortgage advisers will come back to you with clear, no-pressure guidance on the rates and options available to you.
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