You are here:

HMO (Houses in Multiple Occupation) Mortgages

We don’t offer an advised service for Buy to Let mortgages, so you’ll need to make your own choice about which mortgage is suitable for you. This means we won’t assess the suitability of the mortgage you choose to your needs and circumstances.

It's not possible to apply for these products online. Please book an appointment using the options below.

Warning: IF YOU FAIL TO KEEP UP WITH PAYMENTS ON YOUR MORTGAGE A 'RECEIVER OF RENT' MAY BE APPOINTED AND/OR YOUR RENTAL PROPERTY MAY BE REPOSSESSED.

5 Year Small HMO (Houses in Multiple Occupation) Fixed Rate Mortgages

Initial rate fixed up to and inc. 28/02/2029Then the Society's BTL Variable Rate thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
7.35% 8.54%8.3%75%£999 View
Max loan amount £750,000 / It's not possible to apply for this product online.
RATES CORRECT AS AT 17 november 2023

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 5 years at 7.35% and then on our current Buy to Let Variable Rate of 8.54% (variable) for the remaining 20 years would require 60 monthly payments of £1675.58 and 240 monthly payments of £1831.07.

The total amount payable would be £541,024.84 made up of the loan amount plus interest of £309,990.84 and application fee £0, product fee £999, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 8.3% 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.

Back to Mortgages

Our Mortgages

Existing Customers

New Customers

Forms & Documents

Get in touch