HMO Remortgage

Looking to cut costs, raise capital, or switch lender?

We help UK HMO landlords compare remortgage options clearly and quickly.

Whether you own one HMO or a larger portfolio, we can help you review the options that fit your property, rental income, and long-term plans.

Why landlords remortgage an HMO

Most landlords remortgage for one of three reasons:

• To secure a better rate
• To release equity
• To switch to a lender that suits HMOs better

We can also compare a product transfer, a further advance, and a full remortgage.

That helps you choose the option with the best overall value, not just the lowest headline rate.

Lowest HMO Remortgage Rates

85% LTV

Yes, we can do HMO remortgages up to 85% of the property value, you can release equity to invest in more property, renovations, etc..

The minimum HMO Mortgage equity is 15% of the property value (85% LTV). The rental amount can limit the maximum loan achievable, requiring higher equity. Landlords with more substantial deposits can enjoy better HMO Mortgage products and rates.

HMO remortgages are more specialist

HMO remortgages are not the same as standard buy-to-let remortgages. Lenders usually look at:

• the type and size of the HMO
• the rental income
• your landlord experience
• your wider property portfolio
• whether the property is held personally or in a limited company
• your credit profile That is why specialist advice matters.

Can you release equity from an HMO?

Yes. Many landlords remortgage to raise funds for:

• deposits for another property
• refurbishment works
• converting or improving the HMO
• repaying other borrowing
• releasing capital already tied up in the property The amount you can raise depends on the property's value, rental income, and the lender's criteria.

Limited company HMO remortgage

If your HMO sits in a limited company or SPV, we can help with that too.

Some lenders are more comfortable with company cases than others. Though it's been mainstream since George Osborne tax changes.

The right choice of lender can make a big difference to rates, fees, and speed.

Our process

We keep it simple.

1. Tell us about the property
   We review the HMO, rent, ownership structure, and your goal.
2. We compare your options
   That can include a product transfer, further advance, or remortgage.
3. We recommend the right route
   Clear advice, with no jargon.
4. We manage the case
   We deal with the lender and keep things moving.

Why speak to us?

• HMO-focused mortgage advice
• Help for individual and limited company landlords
• Clear guidance on remortgage, rate switch, and capital raising
• Support for straightforward and more complex cases
• Fast, simple communication

Common questions

Can I remortgage if I already have tenants in place?

Yes. Many HMO remortgages are done on tenanted properties.

Can I switch lender at the end of my fixed rate?

Yes. That is one of the most common reasons to remortgage.

Do I need an HMO licence?

Often, yes. In England and Wales, HMOs with 5 or more tenants usually need a licence. Some smaller HMOs do too.

Can I remortgage a small HMO?

Yes. The lender choice depends on the property, tenancy setup, and local rules.

Can I remortgage in a limited company?

Yes. Many landlords do, but criteria and lender appetite vary.

What is an HMO?

In England and Wales, a property is usually an HMO if:

• at least 3 tenants live there
• they form more than 1 household
• they share a kitchen, bathroom, or toilet If your HMO has 5 or more tenants, it must usually be licensed. Some councils also license smaller HMOs.

🔷Talk to our HMO Mortgage Advisers