HMO Mortgages

Our range of HMO (Houses in Multiple Occupation) mortgage products offer you even more lending options in the Buy to Let market. We use specialist valuers and underwriters to provide a service that’s tailor-made for Small HMO properties (housing up to and including 6 occupants). The maximum loan currently available on our HMO products is £750,000.

You can apply over the phone to get an Approval in Principle.

The mortgaged property (which may be your home) may be repossessed if you do not keep up repayments on your mortgage

2 Year Small HMO Fixed Rate Mortgages

Initial rate fixed up to and inc. 29/02/24Then the Society's BTL Variable Rate less 1.00% discount up to and inc. 28/02/27, (currently)Then the Society's BTL Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
3.27% 4.59%5.59%5.0%60%£999 View
Max loan amount £750,000 / It's not possible to apply for this product online.
3.33% 4.59%5.59%5.1%70%£999 View
Max loan amount £750,000 / It's not possible to apply for this product online.
3.39% 4.59%5.59%5.1%75%£999 View
Max loan amount £750,000 / It's not possible to apply for this product online.

5 Year Small HMO Fixed Rate Mortgages

Initial rate fixed up to and inc. 28/02/27Then the Society's BTL Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
3.50% 5.59%4.8%75%£1,499 View
Max loan amount £750,000 / It's not possible to apply for this product online.
RATES CORRECT AS AT 2 November 2021

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £230,000.00 payable over 25 years initially on a fixed rate for 2 years at 3.39% and then a 1.00% discount on our current Buy to Let Variable Rate of 5.59% giving a rate of 4.59% for 3 years and then on our current Buy to Let Variable Rate of 5.59% for the remaining 20 years would require 24 monthly payments of £1136.92, 36 monthly payments of £1278.29 and 240 monthly payments of £1389.36.

The total amount payable would be £407,785.69 made up of the loan amount plus interest of £176,751.69 and application fee £0, product fee £999, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 5.1% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Key details about this product range

  • Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender.
  • A product fee is payable on application (where applicable) but is refundable should the mortgage not complete.
  • A mortgage exit fee of £199 will apply.
  • Tapered Early Repayment Charges may apply.
  • Interest calculated daily.
  • When you're applying for an interest only mortgage, please be aware that you'll need to have a credible repayment strategy in place to pay off the loan and any interest accrued under the mortgage at the end of the term.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.
  • Buy to Let mortgages which are for business purposes are exempt from FCA Rules.

For more detail about specific products, visit the links in the table above.

  • Extra help and guidance

    If you want help and support with your application call a Mortgage Assistant

    03450 50 50 62(press option 2)

  • Talk to an expert now

    When you're ready to apply for a mortgage, call to request to speak to a Mortgage Consultant

    03458 48 00 26 (press option 1)