HMO Mortgages

We have certainly seen a great deal more interest in HMO properties because of the attractive level of income that they can produce, and we have also seen lenders being far more active in offering mortgages for HMO properties.
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Can we help with HMO Mortgages?

YES We Can

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HMO Mortgages: An Overview

HMO Mortgage Questions and Answers

The Government view of an HMO property is a property that is rented out by at least three people who are not from one household (what you would consider to be a family) but share facilities like a bathroom and kitchen. It is sometimes called a ‘house share’

If you want to rent out your property as an HMO (house in multiple occupation) in England or Wales, you must contact your local authority (council) to enquire whether you need a licence.

You must have a licence if you are renting out a large HMO in England or Wales. Your property is defined as a large HMO if all the following apply:

  • it is rented to 5 or more people who form more than 1 household
  • some or all tenants share toilet, bathroom or kitchen facilities
  • at least 1 tenant pays rent (or their employer pays it for them)

Be aware that a licence is valid for a maximum period of five years, and you will need a licence for each HMO you own and rent out.

 

Relevant Products

Fixed Rate Mortgages

We can help with a range of fixed rate mortgage products with competitive rates and terms.

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Tracker Rate Mortgages

If you are looking for a mortgage with a rate that follows the base rate set by the bank of England – we can help.

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Capped Rate Mortgages

If you are looking for a capped rate mortgage we can help, we have access to a wide market of lenders who can help.

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Bad Credit Mortgages

If you have bad or adverse credit we may be able to help you secure a mortgage – from IVAs to CCJs we can help.

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Standard Variable Rate Mortgages

If you are looking for a standard variable rate mortgage with competitive rates & terms we can help.

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Repayment Mortgages

We can help with repayment mortgages – you’ll make monthly repayments for an agreed period of time on capital & interest.

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HMO Mortgages

Can We Help?

Not all lenders offer HMO mortgages but by using the services at ‘A Mortgage 4 You’ we have access to the whole of the market. With our experience and knowledge of the market we will source the best terms to suit you and your credit profile. If it can be done, we will find a lender to do it.

What Mortgage can I obtain to purchase or re-Mortgage my HMO Property?

A MORTGAGE 4 YOU

Refurbishment Mortgages for an HMO

Other Related Mortgages / Searches

THINGS THAT WILL IMPACT YOUR CREDIT

Turned down elsewhere? We can help!

A Mortgage 4 You offers a tailored service for all mortgage applicants. We’ve been helping prospective landlords and property owners with HMO Mortgages reagrdless of their situation. As an established mortgage broker – we have access to the whole mortgage marketplace to ensure you get the best deal with competitive rates.

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