House in Multiple Occupation (HMO) Finance.

House in Multiple Occupation HMO finance is a specialist lending solution designed for properties rented to multiple tenants, each with separate tenancy agreements. These properties can generate higher rental income than standard buy-to-let properties, but they also require compliance with licensing and safety regulations helping landlords and property investors fund multi-occupancy properties to maximise rental yields and portfolio growth.

Typical uses include:

• Purchasing new HMOs
• Refurbishing or converting existing properties into HMOs
• Expanding multi-unit portfolios for professional landlords
• Refinance or restructure existing HMO mortgages

Who Can Benefit?

• Landlords with existing HMO portfolios seeking additional funding
• Investors looking to purchase or convert properties into HMOs
• Developers specialising in multi-unit residential projects
• Clients seeking higher rental yields from compliant HMO properties

We review the HMO property along with the licensing, and rental income potential to then identify lenders with competitive HMO related mortgage products to ensure smooth completion within timelines.