HMO Mortgage Comparison

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Use our free HMO Mortgage comparison tool to find a product and apply online. Access a large panel of trusted lenders through one quick enquiry by comparing HMO mortgage rates with us.

This HMO comparison table shows a wide range of current products but there are many more available. If there is a product that doesn’t quite suit your needs please get in touch and we will look at other options for you.

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Latest HMO Mortgage Products

View some of the latest and cheapest HMO Mortgage quotes from major lenders and find the right loan to suit your requirements.

Product HM0001 - Apply Now
Interest Rate
2.19%
Type
2 year fixed
Revert to Rate
5.99%
Lender Fee
£999
Max LTV
60%
Max Bedrooms
5
Loan Size
None - £750,000
Applicant Type
Sole name only
First Time Landlord
No
Product HM0002 - Apply Now
Interest Rate
2.26%
Type
2 year fixed
Revert to Rate
5.09%
Lender Fee
0.50%
Max LTV
75%
Max Bedrooms
5
Loan Size
£25,001 - £1,000,000
Applicant Type
Sole name only
First Time Landlord
Yes
Product HM0003 - Apply Now
Interest Rate
2.32%
Type
2 year tracker
Revert to Rate
5.09%
Lender Fee
£0
Max LTV
75%
Max Bedrooms
5
Loan Size
£25,001 - £1,000,000
Applicant Type
Sole name only
First Time Landlord
Yes
Product HM0004 - Apply Now
Interest Rate
2.39%
Type
2 year fixed
Revert to Rate
5.99%
Lender Fee
£999
Max LTV
70%
Max Bedrooms
5
Loan Size
None - £750,000
Applicant Type
Sole name only
First Time Landlord
No
Product HM0005 - Apply Now
Interest Rate
2.59%
Type
2 year fixed
Revert to Rate
5.99%
Lender Fee
£999
Max LTV
75%
Max Bedrooms
5
Loan Size
None - £750,000
Applicant Type
Sole name only
First Time Landlord
No
Product HM0006 - Apply Now
Interest Rate
2.59%
Type
5 year fixed
Revert to Rate
5.99%
Lender Fee
£999
Max LTV
60%
Max Bedrooms
5
Loan Size
None - £750,000
Applicant Type
Sole name only
First Time Landlord
No
Product HM0007 - Apply Now
Interest Rate
2.79%
Type
5 year fixed
Revert to Rate
5.99%
Lender Fee
£999
Max LTV
70%
Max Bedrooms
5
Loan Size
£25,001 - £1,000,000
Applicant Type
Sole name only
First Time Landlord
Yes
Product HM0008 - Apply Now
Interest Rate
2.85%
Type
tracker
Revert to Rate
2.85%
Lender Fee
1.50%
Max LTV
70%
Max Bedrooms
No Max
Loan Size
£1,000,000 - No max
Applicant Type
Sole/Ltd Co.
First Time Landlord
Yes
Product HM0009 - Apply Now
Interest Rate
3.04%
Type
2 year fixed
Revert to Rate
5.50%
Lender Fee
1.50%
Max LTV
75%
Max Bedrooms
8
Loan Size
£25,001 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0010 - Apply Now
Interest Rate
3.19%
Type
2 year fixed
Revert to Rate
6.83%
Lender Fee
1.50%
Max LTV
65%
Max Bedrooms
8
Loan Size
£50,000 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
Yes
Product HM0011 - Apply Now
Interest Rate
3.24%
Type
2 year fixed
Revert to Rate
5.41%
Lender Fee
2.00%
Max LTV
70%
Max Bedrooms
8
Loan Size
£50,000 - £750,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0012 - Apply Now
Interest Rate
3.39%
Type
2 year fixed
Revert to Rate
6.83%
Lender Fee
1.50%
Max LTV
75%
Max Bedrooms
8
Loan Size
£50,000 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
Yes
Product HM0013 - Apply Now
Interest Rate
3.44%
Type
2 year fixed
Revert to Rate
6.84%
Lender Fee
1.50%
Max LTV
70%
Max Bedrooms
8
Loan Size
£25,000 - £750,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0014 - Apply Now
Interest Rate
3.49%
Type
2 year discount
Revert to Rate
6.83%
Lender Fee
1.50%
Max LTV
65%
Max Bedrooms
8
Loan Size
£50,000 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
Yes
Product HM0015 - Apply Now
Interest Rate
3.49%
Type
2 year fixed
Revert to Rate
5.50%
Lender Fee
1.50%
Max LTV
80%
Max Bedrooms
8
Loan Size
£100,000 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0016 - Apply Now
Interest Rate
3.49%
Type
5 year fixed
Revert to Rate
5.50%
Lender Fee
1.00%
Max LTV
75%
Max Bedrooms
15
Loan Size
£50,000 - £750,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0017 - Apply Now
Interest Rate
3.57%
Type
2 year variable
Revert to Rate
5.50%
Lender Fee
1.50%
Max LTV
75%
Max Bedrooms
8
Loan Size
£25,001 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0018 - Apply Now
Interest Rate
3.59%
Type
5 year fixed
Revert to Rate
5.50%
Lender Fee
1.50%
Max LTV
75%
Max Bedrooms
8
Loan Size
£25,001 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0019 - Apply Now
Interest Rate
3.60%
Type
5 year fixed
Revert to Rate
5.60%
Lender Fee
£0
Max LTV
75%
Max Bedrooms
10
Loan Size
£30,000 - £2,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0020 - Apply Now
Interest Rate
3.64%
Type
2 year fixed
Revert to Rate
5.99%
Lender Fee
£1,999
Max LTV
60%
Max Bedrooms
No Max
Loan Size
None - £750,000
Applicant Type
Sole name only
First Time Landlord
No
Product HM0021 - Apply Now
Interest Rate
3.69%
Type
2 year fixed
Revert to Rate
5.99%
Lender Fee
£1,999
Max LTV
70%
Max Bedrooms
No Max
Loan Size
None - £750,000
Applicant Type
Sole name only
First Time Landlord
No
Product HM0022 - Apply Now
Interest Rate
3.69%
Type
2 year fixed
Revert to Rate
6.83%
Lender Fee
1.50%
Max LTV
80%
Max Bedrooms
8
Loan Size
£100,000 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
Yes
Product HM0023 - Apply Now
Interest Rate
3.70%
Type
5 year fixed
Revert to Rate
5.50%
Lender Fee
£0
Max LTV
75%
Max Bedrooms
15
Loan Size
£50,000 - £750,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0024 - Apply Now
Interest Rate
3.74%
Type
5 year fixed
Revert to Rate
5.99%
Lender Fee
£1,999
Max LTV
60%
Max Bedrooms
No Max
Loan Size
None - £750,000
Applicant Type
Sole name only
First Time Landlord
No
Product HM0025 - Apply Now
Interest Rate
3.74%
Type
5 year fixed
Revert to Rate
5.41%
Lender Fee
2.00%
Max LTV
70%
Max Bedrooms
8
Loan Size
£50,000 - £750,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0026 - Apply Now
Interest Rate
3.75%
Type
5 year fixed
Revert to Rate
4.85%
Lender Fee
0.50%
Max LTV
75%
Max Bedrooms
10
Loan Size
£30,000 - £2,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0027 - Apply Now
Interest Rate
3.79%
Type
5 year fixed
Revert to Rate
6.83%
Lender Fee
1.50%
Max LTV
75%
Max Bedrooms
8
Loan Size
£50,000 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
Yes
Product HM0028 - Apply Now
Interest Rate
3.79%
Type
5 year fixed
Revert to Rate
5.41%
Lender Fee
£1,495
Max LTV
65%
Max Bedrooms
8
Loan Size
£50,000 - £500,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0029 - Apply Now
Interest Rate
3.84%
Type
2 year fixed
Revert to Rate
5.99%
Lender Fee
£1,999
Max LTV
75%
Max Bedrooms
No Max
Loan Size
None - £750,000
Applicant Type
Sole name only
First Time Landlord
No
Product HM0030 - Apply Now
Interest Rate
3.84%
Type
5 year fixed
Revert to Rate
5.99%
Lender Fee
£1,999
Max LTV
70%
Max Bedrooms
No Max
Loan Size
None - £750,000
Applicant Type
Sole name only
First Time Landlord
No
Product HM0031 - Apply Now
Interest Rate
3.97%
Type
2 year variable
Revert to Rate
5.50%
Lender Fee
1.50%
Max LTV
80%
Max Bedrooms
8
Loan Size
£25,001 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0032 - Apply Now
Interest Rate
4.04%
Type
2 year fixed
Revert to Rate
6.84%
Lender Fee
1.50%
Max LTV
80%
Max Bedrooms
8
Loan Size
£25,000 - £750,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0033 - Apply Now
Interest Rate
4.10%
Type
variable
Revert to Rate
4.10%
Lender Fee
1.20%
Max LTV
65%
Max Bedrooms
No Max
Loan Size
£1,000,000 - No max
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0034 - Apply Now
Interest Rate
4.30%
Type
variable
Revert to Rate
4.30%
Lender Fee
1.20%
Max LTV
75%
Max Bedrooms
No Max
Loan Size
£1,000,000 - No max
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0035 - Apply Now
Interest Rate
4.30%
Type
variable
Revert to Rate
4.30%
Lender Fee
1.70%
Max LTV
75%
Max Bedrooms
No Max
Loan Size
£100,000 - £5,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0036 - Apply Now
Interest Rate
4.39%
Type
5 year fixed
Revert to Rate
6.83%
Lender Fee
2.00%
Max LTV
80%
Max Bedrooms
8
Loan Size
£100,000 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
Yes
Product HM0037 - Apply Now
Interest Rate
4.40%
Type
3 year fixed
Revert to Rate
4.30%
Lender Fee
1.70%
Max LTV
75%
Max Bedrooms
No Max
Loan Size
£100,000 - £5,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0038 - Apply Now
Interest Rate
4.50%
Type
5 year fixed
Revert to Rate
4.30%
Lender Fee
1.70%
Max LTV
75%
Max Bedrooms
No Max
Loan Size
£100,000 - £5,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0039 - Apply Now
Interest Rate
4.59%
Type
2 year fixed
Revert to Rate
6.83%
Lender Fee
2.50%
Max LTV
85%
Max Bedrooms
8
Loan Size
£100,000 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0040 - Apply Now
Interest Rate
4.60%
Type
tracker
Revert to Rate
4.60%
Lender Fee
1.50%
Max LTV
70%
Max Bedrooms
No Max
Loan Size
£500,000 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
Yes
Product HM0041 - Apply Now
Interest Rate
4.89%
Type
2 year discount
Revert to Rate
6.83%
Lender Fee
2.50%
Max LTV
85%
Max Bedrooms
8
Loan Size
£100,000 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0042 - Apply Now
Interest Rate
4.90%
Type
variable
Revert to Rate
4.90%
Lender Fee
1.70%
Max LTV
85%
Max Bedrooms
No Max
Loan Size
£100,000 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0043 - Apply Now
Interest Rate
5.29%
Type
5 year fixed
Revert to Rate
6.83%
Lender Fee
2.50%
Max LTV
85%
Max Bedrooms
8
Loan Size
£100,000 - £1,000,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
No
Product HM0044 - Apply Now
Interest Rate
5.65%
Type
variable
Revert to Rate
5.65%
Lender Fee
1.50%
Max LTV
70%
Max Bedrooms
No Max
Loan Size
£50,000 - £100,000
Applicant Type
Sole/Ltd Co.
First Time Landlord
Yes
Product HM0045 - Apply Now
Interest Rate
6.99%
Type
variable
Revert to Rate
8.99%
Lender Fee
2.50%
Max LTV
65%
Max Bedrooms
No Max
Loan Size
£5,000 - £500,000
Applicant Type
Sole name only
First Time Landlord
Yes
Product HM0046 - Apply Now
Interest Rate
7.99%
Type
5 year fixed
Revert to Rate
8.99%
Lender Fee
2.50%
Max LTV
65%
Max Bedrooms
No Max
Loan Size
£5,000 - £500,000
Applicant Type
Sole name only
First Time Landlord
Yes

Securing The Right HMO Mortgage For You

Managing an HMO is more complex than a standard buy-to-let. HMO mortgage lenders’ criteria tend to vary hugely and, as such, finding the best lender for your circumstances can become difficult.

The choice to apply through a reputable HMO mortgage broker or go directly to lenders is an important one. By having an initial chat with us, you will receive a whole-of-market view and get free, impartial advice. This will give you a good idea of the rates you will be able to achieve based on your situation.

Applying for HMO mortgages doesn’t have to be a hassle. Although searching the market can be tough, working closely with ABC Finance Ltd can make the process far simpler. As your portfolio evolves, the right lenders for you will also change. Building a relationship with a trusted advisor can save a lot of time in the long run.

Can I Apply For An HMO Remortgage?

Yes, depending of course on a few factors. The new lender will look at your credit history, affordability, the reason for refinancing and the LTV (Loan to Value) ratio.

You may be looking for a better interest rate, raising funds for debt consolidation or to increase your portfolio. If you are refinancing an existing debt it is crucial to check if you have any ERCs (Early Repayment Charges).

Raising capital to invest in additional property will not be an issue in most cases and some lenders will help fund the new purchase at the same time which can make the process simpler.

Should I Use An HMO Mortgage Broker?

This is really down to personal choice. The clear advantage to using a specialist HMO mortgage broker is that they know the market and will be able to find you a suitable product quickly.

Knowledge of the market is key as HMO criteria will differ between lenders. A good broker will have strong contacts across numerous HMO lenders, meaning a quick yes or no from each of your choices can be achieved without the slog of contacting everyone yourself.

In summary, using an HMO mortgage broker will not only save you time but will also provide you with the best HMO mortgage rates available. Be aware that some brokers do charge fees as well as receiving a payment from the lender.

Generally, we don’t charge a broker fee on loans over £150,000. This can be considered individually on smaller loans.

about-the-author-lee-hemming

About The Author

Lee has built a wealth of knowledge and expertise within the commercial finance sector and has sat on the family management team since 2007. His knowledge of the complex residential investment market led to our growth in the HMO and commercial property investment markets. Lee combines his work on HMO and complex investment properties alongside his work in the bridging loan, commercial mortgage and development finance markets.

Lee Hemming CeMAP  -  
Sales Director

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