HMO Mortgages
At Caledonian Global Group, we meticulously craft House in Multiple Occupation (HMO) mortgages to build a strong foundation for your investment ventures. Get bespoke, strategic financial advice from our expert HMO mortgage team to turn your property aspirations into tangible success
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