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Buy to Let mortgages on HMO properties

Specialist buy to let and HMO mortgages.

  • Non UK and Expat applications considered
  • Automated valuations accepted
  • No maximum numbers of rooms
Call and get a quote in 10 mins
0161 956 3224

We're open Mon-Fri 9am-5:30pm

or

  • Non UK and Expat applications considered
  • Automated valuations accepted
  • No maximum numbers of rooms
Call and get a quote in 10 mins
0161 956 3224

We're open Mon-Fri 9am-5:30pm

or

  • Non UK and Expat applications considered
  • Automated valuations accepted
  • No maximum numbers of rooms
Call and get a quote in 10 mins
0161 956 3224

We're open Mon-Fri 9am-5:30pm

or


Buy to Let Lender of the year 2023


Bridging & Commercial

• Over 1,200 reviews

• Over 1,900 reviews

Buy to Let Lender of the year 2023


Bridging & Commercial

• Over 1,200 reviews

• Over 1,900 reviews

Buy to Let Lender of the year 2023


Bridging & Commercial

• Over 1,200 reviews

• Over 1,900 reviews

Let's calculate how much you could borrow with us
See how much I could borrow

What makes us different

Our Buy to Let mortgage key facts
  • £2.5m

    Borrow up to £2.5m
  • 4 to 30 years

    Terms available from 4 to 30 years
  • 7.59%

    Rates from 7.59%/annum
  • 75%

    Borrow up to 75%* of the property's value

Consolidating unsecured debts with secured lending may increase the amount repaid overall.



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Buy to Let mortgages on HMO properties

If you want to rent your Buy to Let property out to multiple, unrelated occupants, you will need a specialist House of Multiple Occupancy (HMO) mortgage.

That is where our experienced team are ready to help. We don't place a limit on the number of rooms you can have in your property, and we don't require you to have previous landlord experience.

Automated valuations can be accepted, using data from a range of existing databases to automatically calculate a value for the property that the loan will be secured against , greatly reducing the timescales and costs required. We also consider applications from foreign nationals, based in the UK and abroad, and British expatriates.


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Specialist buy to let finance can help you achieve your rental ambitions

So if your property has potential as a student let or houseshare, talk to us. Whatever the situation, we won't insist you have any past experience as a landlord. And we can take up to 90% of projected rent (plus any other income you have) into account when calculating what you can afford.

We could even help if:

  • It’s an ex-council property, and/or made of non-standard materials (e.g. concrete).
  • You’re self-employed, work several jobs, or have already retired.
  • You’ve got a less-than-perfect credit history.

Common questions about specialist Buy to Let and HMO mortgages

What is a HMO mortgage?

A House in Multiple Occupation mortgage is designed specifically for Landlords who want to rent their property out to three or more tenants who aren’t from the same family.

The tenants will typically share a kitchen and living space and occasionally a bathroom, but some properties will have en-suites for each renter.

Do you lend to portfolio landlords?

Yes – we will just need details of your portfolio to get a full picture of your situation so we can work out your specific needs.

What are your Buy to Let mortgage rates?

Please contact us on 0371 705 1518 or book an appointment here to discuss our current rates.

How quickly can I get a Buy to Let mortgage?

It all depends on the legal process with your solicitors. We will get the offer in principle out to you on the same day of your application and your offer to your solicitor within a week if we have everything we need.

What does the application journey look like for Buy to Let mortgages?

Once you’ve submitted your application to your relationship manager, your case will be submitted to our underwriting team for approval. Once approved the legal pack will be issued to your solicitor to complete the legal paperwork. Your solicitor will return this to our completions team, who will submit the case for final approval and funding.

In some scenarios, we may be able to utilise our in-house legal team to help speed up the application process.

What documents do you need for a Buy to Let mortgage?

We like to make your application as straight forward as possible. Not everyone’s circumstances will be the same and so we don’t ask for the same documents from everyone. Some standard documents we ask for are:

  • Application Form
  • Income information (Payslips, Tax Returns, etc)
  • Company Structure form (if applying in a company name)

Your relationship manager will talk you through exactly what you will need for your application.

Will I need a valuation for a Buy to Let mortgage?

In most cases we can run a desktop valuation, meaning there will be no valuation costs involved. If we can’t run this for any reason, or doesn’t return as expected, that’s when we would need a full valuation.

Do you offer Buy to Let mortgages to start-up companies?

Yes – we will just need some information about how you will be in a position to make the monthly instalments or discuss alternative products with you.

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0161 956 3224

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