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HMO & specialist buy-to-let mortgages

Common sense specialist lending.

Same day enquiry

We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm we’ll do our best to get back to you the same day.

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Any property used as security may be repossessed if you don’t make the repayments.

Looking to finance your house in multiple occupation (HMO) or semi commercial property? We could be the people to speak to.

We think looking at your individual situation, combined with our common-sense approach to lending, makes better sense for everyone.

Say goodbye to inflexible buy-to-lets

If you need finance – whether a purchase, remortgage or second charge secured loan – on a HMO or semi commercial property, talk to us. Why? Because you can use our Specialist BTL mortgage for almost any purpose.

We consider a large variety of property types, and have more flexibility when lending to people with less than perfect credit histories. Plus, we’re one of the few lenders offering second charge buy-to-let, particularly interest-only second charge buy-to-lets.

We’ll consider Specialist buy-to-let mortgages for:
  • HMOs with no maximum bedroom rule
  • semi commercial property with less than 60% commercial usage.
Key features
  • borrow up to £2m with terms up to 30 years
  • rates from 6.99% 
  • no minimum landlord experience
  • other sources of income taken into consideration for affordability
  • up to 4 people per application
  • secure on one or several properties
  • 90% of projected rent taken into consideration
  • no minimum property ownership.
With added value

We consider a large variety of property types. And after 5 years, we don't hit you with early repayment charges if you want to pay off your mortgage early, so you’re not tied into the mortgage for the full term; leaving you to think about your next project.

Our lending criteria

To qualify for this product, as a minimum, you must:

  • have obtained the properties with the intent to let them out. In other words, for a business purpose
  • be at least 18-years old. There’s no maximum age limit, providing rental income covers 125% of total secured lending repayments.
EPC requirements
  • minimum rating E – however, we will consider F or G by referral
  • we'll need a copy of the EPC for all purchases and all re-mortgages, where the property is currently being let, or there is an intention for the property to be let in the future.

Any property used as security may be repossessed if you don’t make the repayments.

Build: 1.3.7.16451