HMO mortgage brokers

Helping you find the perfect mortgage

Like a buy to let mortgage, an HMO mortgage is a secured loan on a property you intend to rent to residential tenants but which you do not intend to live in yourself.

Many lenders consider an HMO as a property capable of accommodating five or more households. 

They are very similar to buy to let mortgages, but have specific requirements. We can advise you on whether you need a HMO mortgage, or whether something else would be preferable for you.

HMO mortgage brokers testimonial

See our latest testimonials from happy customers.

Watch our testimonial videos
Contact our team HMO mortgage brokers

Talk to the team today to receive expert advice on HMO Mortgages.

Get in touch

Rapid facts

Everything you need to know about buy to let mortgages can be found here.

Ready to get started? Get your quote today.

Get a quote
Eligibility

Individual, Corporate, Overseas and Trust borrowers looking to purchase/refinance property in England, Wales, & Scotland 
Up to 85% loan to value

Minimum age
21
Maximum age

No upper limit – subject to underwriter review

Amount

£150,000 – £ unlimited

Duration

From 3 years to 30 years

Repayment
Capital Repayment, Interest Only or a combination 
Interest rate
From 4.24% per month
Security Required
First or second charge registered against a property
Type of Security
Residential, Multi-Unit, HMO, AirBnBs & Student Let.
Speed of Decision
Quote within 10 minutes of enquiry, credit backed decision the same day
Timing of Cash
Can be funded as quickly as working 15 working days but normally in as little of 10 working days 
Application Process
Online enquiry, call, postal applications or face to face meeting

What our customers say

These testimonials are based on individual
circumstances and cannot be taken as a guide or advice.

“We were unable to get a loan anywhere. Nobody would fund building the house. We then approached Andrew who was unbelievably helpful. He was the only person who would even entertain the idea of trying to help”.

- Peter Tillet
Screenshot 2023-07-18 at 13.45.07

“Andrews nature and experience allowed for him to cut through some problems that we found with the other professionals. IE the solicitors and the banks”.

- Alan Overton

COMMERCIAL AND DEVELOPMENT BRIDGING LOANS ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


We are a credit broker, not a lender. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Our trusted lenders

assetz_capital
Glenhawk-Logo
Hampshire-Trust-Bank-e1552908907900
mtf
octopus
united-trust-bank-logo
shawbrook-bank

Why use HMO mortgages?

Many people invest in HMO properties as they tend to generate higher rental yields compared to traditional buy to let properties. 

With multiple tenants, the rental income from an HMO property is often more substantial, making it an attractive investment option for maximising returns.

This is a great opportunity to diversify your property portfolio and spread your risk across multiple tenants, rather than investing in a single property that houses an individual tenant. 

Overall, HMO mortgages offer a compelling investment opportunity for those seeking higher rental yields, increased cash flow, and portfolio diversification in the rental property market.

D-Why a HMO mortgage brokers myths

Key features of our buy to let mortgages:

  1. Fixed and variable rates available
  2. No minimum Income required
  3. Borrow up to 80% loan to value
  4. No upper age limits
  5. Specialist portfolio finance products
  6. Repayment, interest only or a combination
  7. Perfect for first-time Landlords
Don’t just take our word for it

The relationships we build with our customers are incredibly important to us. Hear what they have to say, and learn why people across the UK rely on Rapid Bridging time and time again

Ken & Marion-profile
star

“It looked impossible. We tried almost everything. Eventually, it was Andrew and Rapid Bridging that was able to help us solve the issue”

KEN & MARION
Steve Everett-profile
star

“On my next project without a doubt, I would go back to Andrew. It is something as a developer I know I have not got to worry about. I know he will sort the money for me”

STEVE EVERETT
Reza Stockport-profile
star

“I would not for one minute hesitate in recommending Andrew because he always has a solution for every situation”

REZA STOCKPORT
star

“Professional company, with specialist knowledge. Help me with a very complex financial situation. Would highly recommend”

LYNSEY TURNER

Contact us

Fast-track and quick bridging loans nationwide. Enquire today and we’ll get back to you within 10 minutes.