We meticulously craft House in Multiple Occupation (HMO) mortgages to build a strong foundation for your investment ventures. Get access to bespoke HMO mortgages to turn your property aspirations into tangible success.
Find answers to some of the most commonly asked questions about HMO Mortgages.
HMO Finance is a specialized loan designed to help investors purchase or refinance Houses in Multiple Occupation (HMOs), where multiple tenants occupy separate rooms but share communal spaces.
The loan amount generally depends on factors such as the property’s value, expected rental income, and your financial profile. Lenders typically offer up to 75-80% of the property’s value.
Repayment terms for HMO Finance vary, with options for both interest-only and capital repayment, typically spanning from 5 to 25 years.
Yes, a deposit is usually required, often around 25%, though the exact amount depends on the lender and your financial circumstances.
Yes, HMO Finance can be used for properties that are being converted or adapted to meet HMO standards, as long as they meet regulatory requirements.
HMO Finance can generally be secured within 3-5 weeks, though it depends on the complexity of the property and the lender's process.
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