We provide specialist mortgage advice for investors purchasing, refinancing or expanding Houses in Multiple Occupation (HMOs). HMO mortgages require a more detailed underwriting approach, and we work with lenders who understand the complexities involved in multi-tenant properties.

All advice is provided based on current lender criteria and individual circumstances.

Our HMO Mortgage Services Include

  • Standard and Large HMOs

    Mortgage advice for properties with multiple tenants, subject to lender definition, valuation and licensing requirements.

  • Limited Company & SPV HMOs

    Advice for investors using Ltd Companies or SPVs, including newly formed companies, subject to lender acceptance and underwriting.

  • HMO Purchases & Remortgages

    Support for acquisitions and refinances, including capital raising, subject to affordability, valuation and lender criteria.

  • Portfolio & Multi-Property HMOs

    Funding solutions for landlords with multiple HMO properties or mixed portfolios, subject to portfolio assessment and lender limits.Funding solutions for landlords with multiple HMO properties or mixed portfolios, subject to portfolio assessment and lender limits.

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HMO mortgages are typically assessed on a number of factors, including but not limited to:

Total rental income and sustainability

Property layout, size and condition

Local authority licensing and planning requirements

Borrower experience and management capability

Overall portfolio position (where applicable)

Meeting local authority licensing or planning requirements does not guarantee mortgage approval, as lender criteria may differ.

Important Licensing & Planning Disclaimer

Mortgage lenders require HMOs to comply with relevant local authority licensing and planning regulations. It is the borrower’s responsibility to ensure all necessary permissions, licences and consents are in place.

We do not provide legal or planning advice and recommend clients seek independent legal or professional advice where required.

Why Use a Specialist HMO Broker

HMO lending criteria vary significantly between lenders and are subject to change without notice. Using a broker experienced in HMO lending can help identify suitable lenders and avoid unnecessary delays or declined applications.

Mortgage availability, rates and terms are subject to lender assessment, valuation and underwriting.

Who We Work With

We work with:

  • First-time and experienced HMO investors (subject to lender criteria)
  • Portfolio landlords and limited company borrowers
  • Clients purchasing or refinancing HMOs

Not all applicants or properties will qualify. Each case is assessed individually.

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Regulatory & Advice Disclaimer

Your home may be repossessed if you do not keep up repayments on your mortgage.
Buy-to-let and HMO mortgages are subject to lender criteria, affordability checks, and property valuation.
The availability of mortgage products, interest rates and lending criteria may change at any time.

CONTACT US

We have so much more information that we would love to share with you so please get in touch

Lawson Financial Ltd is a broker and not a lender

Your home may be repossessed if you do not keep up repayments on your mortgage

Lawson Financial Services will charge a fee for their services. Find out about our fees here.

Lawson Financial Ltd is directly authorised by the FCA

Lawson Financial Ltd is a broker and not a lender

Your home may be repossessed if you do not keep up repayments on your mortgage

Lawson Financial Services will charge a fee for their services. Find out about our fees here.

Lawson Financial Ltd is directly authorised by the FCA

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Registered Office: Lawson Financial Ltd, 8 Biscay Close, Hill Head, Fareham, Hampshire PO14 3RG  |  Registered Company Number: 09000180  |  Registered in England and Wales.

© 2024 Lawson Financial Limited | Customer Complaints Policy | Privacy Policy

Registered Office: Lawson Financial Ltd, 8 Biscay Close, Hill Head, Fareham, Hampshire PO14 3RG  |  Registered Company Number: 09000180  |  Registered in England and Wales.