Bespoke Finance

How are HMO Properties Valued?

Most HMO Lenders value on a "brick and mortar" basis but a few allow "investment" basis valuation.


A Brick and Mortar valuation is what you'd expect from a standard residential valuation. It is based on the resale value of the property as a normal home. Comparable perhaps with other none-hmo properties on the street.


An Investment Valuation instead values the property as a business, basing the value on a multiple of the rent obtained.


In different circumstances one may be better than the other. An Investment Valuation may give a greater value but often products are fewer, giving higher rates and lower LTVs.

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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Bespoke Finance Direct Limited is authorised and regulated by the Financial Conduct Authority (No. 715805) to transact regulated mortgages.

The FCA does not regulate some investment mortgage contracts.

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