Mortgages for HMO Purchase

Buying a house in multiple occupation (HMO) can deliver significantly higher rental yields than a standard single-let, but HMO mortgages are assessed against specialist criteria. Lenders look at the property's licensing status, room-by-room rental income, and your track record as an HMO landlord, not just a simple valuation.

Our advisers compare HMO buy-to-let products across specialist lenders who understand multi-let properties, stress-testing rental coverage, navigating licensing requirements, and handling the application so the finance doesn't hold up your purchase.

Your message

Your Name

Your Email

Your Phone Number

Please provide either an email address or a phone number so we can reply. Name and message are optional.

HMO Purchase Mortgages

HMO lenders typically require a larger deposit than standard buy-to-let, usually 25% or more, and the deposit you can put down directly affects which specialist lenders will consider you and the rates on offer. Use the tabs below to compare today's lowest true-cost HMO purchase deals across different deposit sizes.

These tables show illustrative best-buy deals for a typical HMO purchase. Your own rate and options depend on your circumstances. Speak to an adviser for a personalised comparison.

Explore our HMO purchase resources

From licensing and planning requirements to room-by-room rental assessment and portfolio experience criteria, we've pulled together everything you need to understand HMO finance in one place.

HMO Buy-to-Let Purchase Guides

Browse our HMO purchase mortgage guides: multi-let rental assessment and stress tests, licensing and planning checks, deposits and lender criteria, and funding HMO conversions.

How our HMO mortgage service works

Tell Us About You

Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.

Mortgage Match

We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.

Meet your Expert

We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.

Our wider lender panel

The logos below show our wider lender panel. For your HMO purchase, we identify lenders whose criteria fit your property, tenancy arrangements and circumstances.

82+ lenders

Ready to talk through your HMO purchase?

Tell us about the property, your licensing position, and your portfolio plans, and one of our advisers will come back with clear, no-pressure guidance on your next steps.