The Go-To Broker for HMO Mortgages

Our specialty lies in providing tailor-made mortgage solutions for loans over £1 million. Our success is underpinned by our established relationships with private banks, mainstream banks, and specialist lenders. We pride ourselves on our personalised approach, understanding our clients’ unique profiles to match them with the right financial institution.  Our longstanding industry connections often enable us to unlock exclusive deals that transcend typical lending criteria. Clients looking for an expert mortgage broker value our proficiency and dedication to securing the best loan terms.

We thrive on sourcing unconventional mortgages, be it for non-standard property types, self-employment income, or foreign income sources. Mortgages are multifaceted, demanding a deep understanding of the market and strong banking relationships to secure the best deals. As a specialist in complex mortgages, we offer the expert knowledge and professional relationships essential to navigate these challenging scenarios. If there is a solution available for your complex mortgage needs, we will find it.

Our experience spans across a variety of asset classes and client types. From individuals looking to buy their trading premises to large organisations refinancing their commercial real estate portfolios.  We often engage multiple lenders simultaneously, presenting each deal with complete transparency.  As lenders are aware that they are in a competitive tendering process, we encourage the provision of the best possible rates. Our partners experience the difference that our client-centred approach makes in their commercial and real estate financing.

Navigating the complexities of buy to let mortgages can be demanding, particularly when faced with portfolio landlord criteria or seeking financing for an HMO or multi-unit block. As regulations for BTL Mortgages become increasingly complex, it’s more important than ever to have an expert broker to guide you through the diverse criteria on stress tests, property types, and portfolio restrictions. We demystify the complexities of BTL mortgages. We specialise in securing portfolio loans from multiple lenders, resulting in lower rates and higher leveraging.

Business owners encounter distinct challenges when pursuing mortgages, including the need to substantiate income and demonstrate stability. Our tailored mortgage solutions reflect the unique income structures of business owners. Traditional lenders tend to calculate their loan offers based on historical dividends, potentially underestimating the business owner’s real income. By partnering with us, you can take advantage of our expertise in sourcing mortgages designed for business owners. We carefully assess your income, liaising with lenders who consider your profit share, the latest year’s profit, or pre-tax profits to maximise your borrowing potential.

Sourcing the best bridging or development terms requires industry knowledge and expertise. Our team excels in sourcing deals for both non-experienced developers and seasoned professionals. We have access to low-rate bridging loans through strategic partnerships with building societies and private banks. Moreover, we specialise in arranging high-value self-build mortgages, ensuring that your financing needs are met throughout the entire development process. With our guidance, you can embark on your projects with confidence, secure in the knowledge that we will procure the most favourable rates and terms available.

An HMO mortgage is a buy-to-let mortgage specifically for Houses in Multiple Occupation — properties rented to three or more unrelated tenants who share facilities. Standard buy-to-let lenders often do not offer HMO products, or restrict the number of rooms they will consider. Specialist HMO lenders assess these properties based on their rental yield, room count, licence status, and the landlord’s experience.

With the specialist lenders we work with, there is no maximum number of bedrooms. We have arranged mortgages for small 3-bedroom HMOs, large licensed 20-room properties, and student accommodation blocks with significantly more rooms.

If your property meets the criteria for HMO licence requirement, lenders will require evidence of this, or a confirmation that it has been applied for. We work with lenders experienced in licensed HMO underwriting.

Yes. Limited company (SPV) applications for HMO mortgages are available through specialist lenders we work with. The rates and lending criteria differ from personal name applications. For portfolio landlords considering a company structure, we can advise on the mortgage options available through both routes.

Some specialist lenders will consider first-time HMO landlords, particularly for smaller unlicensed HMOs. Others require you to have at least one existing buy-to-let property. We will confirm which lenders are available for your specific circumstance during our first conversation before recommending an approach.

Most HMO mortgage lenders require a minimum 25% deposit (75% LTV). Some specialist lenders will go to 80% LTV for experienced landlords with strong portfolios. We discuss with lenders on your behalf, providing you with a range of options.