Cyborg Finance

Mortgages for HMO Landlords

House in Multiple Occupation (HMO) mortgages are specialist buy-to-let products designed for properties let to multiple unrelated tenants. Because HMOs typically generate higher rental yields than standard single-lets, lenders assess them using different criteria. Including licensing status, room-by-room rental income, and your experience as an Landlord or HMO landlord.

HMO mortgage routes

Mortgages for HMO Remortgage

Compare today's best-buy HMO remortgage rates by equity level, then talk to our mortgage advisers about timing your switch, maximising your rental coverage, and releasing equity from your multi-let.
Mortgages for HMO Purchase

Compare today's best-buy HMO mortgages by deposit size, then talk to our advisers about licensing, multi-let rental income, and specialist lender criteria.

Related content

HMO Buy-to-Let FAQs

Clear, practical answers to common questions about HMOs, licensing, HMO landlords and the potential benefits of buying a house in multiple occupation.
HMO Buy-to-Let Case Studies

Real HMO mortgage case studies showing how multi-let purchases, conversions and refinances were funded — including the structures and lender approaches that made them work.
HMO Buy-to-Let News
HMO Buy-to-Let Guides

Browse our HMO buy-to-let guides: licensing and planning, multi-let rental assessment, lender criteria and stress tests, conversion and refurbishment finance, and running a compliant HMO portfolio.

HMO Buy-to-Let Guides

Funding HMO refurbishments with bridging finance

A practical guide for HMO investors on how bridging finance can support renovation and refurbishment projects, what lenders typically expect, how to estimate costs, and how to plan an effective exit into long-term funding.
Criteria for HMO Mortgages

Specific lender criteria for HMO buy-to-let mortgages, including property requirements, financial thresholds, borrower eligibility and location factors.

Get in touch

We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.

Phone number
01133 205 902
Postal address
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX

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FCA Authorised

We are authorised and regulated by the Financial Conduct Authority (No. 919921). The Financial Conduct Authority does not regulate most Buy to Let mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Our initial consultation is free. If you choose to proceed, we’ll explain any broker fees upfront before you commit.

British Company

Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX.