HMO Mortgages for Property Investors
Secure finance for Houses in Multiple Occupation, maximising rental income and portfolio growth with tailored lending solutions.
Access Specialist Outside IR35 Lenders
Over 120 UK lenders providing mortgage solutions for contractors outside IR35
Mortgage-Tek connects contractors operating outside IR35 to lenders experienced in self-employed and limited company income.
We ensure accurate affordability assessment, competitive rates, and smooth application processes.
Understanding HMO Mortgages
Finance for multi-occupancy rental properties
An HMO mortgage is a loan secured against a property rented to multiple tenants. Designed for landlords, it enables higher rental yields by allowing several occupants under one roof. Lenders assess property suitability, rental projections, and landlord experience to approve funding for HMO purchases, conversions, or portfolio expansion.
Flexible HMO Mortgage Options
Solutions for different HMO investment strategies
Standard HMO Mortgages
Finance for purchasing single HMO properties with rental income covering mortgage repayments and lender affordability criteria.
Refurbishment / Conversion HMO Mortgages
Loans for property renovation or conversion into HMOs, with staged drawdowns based on progress and lender assessment.
Portfolio HMO Mortgages
Tailored solutions for landlords holding multiple HMO properties, enabling expansion while managing income and repayment requirements efficiently.
Remortgage / Refinance HMO Mortgages
Allows landlords to refinance existing HMO properties to release equity, reduce rates, or consolidate finance for portfolio management.
Is an HMO Mortgage Right for You?
Ideal for experienced landlords and property investors
HMO mortgages suit landlords aiming to maximise rental income, purchase multiple-occupancy properties, or convert existing properties into HMOs for investment purposes.
- Experienced landlords seeking higher rental yields
- Property investors converting properties into HMOs
- Portfolio landlords expanding multi-occupancy holdings
- Investors needing finance for HMO refurbishment or conversion
- Landlords looking for specialised lending for rental compliance
What Lenders Will Assess
Core factors for HMO mortgage approval
Property and Licencing
Properties must meet local HMO regulations, licencing requirements, and suitability for multiple tenants as assessed by the lender.
Rental Income Projections
 Lenders review projected rental income to ensure mortgage repayments can be covered and affordability is maintained.
Landlord Experience
Previous HMO management experience is considered, though first-time HMO landlords may still qualify with sufficient planning and lender assessment.
Credit Profile
Credit history of the borrower(s) is assessed, with lenders allowing minor issues if other criteria are strong.
Deposit / Loan-to-Value
Typical deposits range from 25–40% depending on property type, lender, and borrower profile.
How Much Can I Borrow Calculator
Borrowing based on property type and rental income
Loan amounts depend on property value, rental income projections, and lender criteria. Mortgage-Tek provides guidance to calculate maximum borrowing and ensures your HMO investment is financially viable.
Your Estimated Borrowing Amount
Expert Guidance for HMO Investors
Specialist advice for multi-occupancy property finance
Mortgage-Tek helps landlords secure HMO mortgages with tailored solutions, competitive rates,
and expert support from initial enquiry through completion, ensuring smooth investment and portfolio growth.
Specialist Lender Access
We connect clients to lenders experienced in HMO mortgages, providing fast approvals, competitive rates, and flexible lending solutions for multi-occupancy properties.
Tailored Investment Advice
We review rental income projections, property type, and landlord goals to provide personalised mortgage solutions.
Flexible Loan Options
Purchase, conversion, refurbishment, remortgage, or portfolio HMO mortgages structured to meet lender and borrower needs.
Transparent Process Guidance
We explain interest rates, fees, and repayment terms clearly, ensuring landlords understand all financial obligations.
End-to-End Support
We handle lender communications, valuations, and documentation for a seamless HMO mortgage process.
Regulated and Responsible Advice
All advice complies with FCA regulations, ensuring ethical, structured guidance for HMO investors.
Frequently Asked Questions
Answers to common HMO mortgage queries
Can I get an HMO mortgage as a first-time landlord?
Yes, lenders may approve first-time HMO landlords with clear planning, property suitability, and projected rental income.
Do I need an HMO licence?
Yes, the property must meet local council licensing requirements to qualify for an HMO mortgage.
Can I refinance an existing HMO?
Yes, remortgage options allow landlords to release equity, reduce rates, or consolidate finance.
What deposit is required?
Deposits typically range from 25–40% depending on property type, lender, and borrower profile.
Is experience managing HMOs necessary?
Some lenders prefer experience, but first-time landlords can qualify with sufficient preparation and financial planning.
How long does the application take?
Applications usually take 6–10 weeks, depending on valuations, documentation, and lender assessment.