HMO Bridging Specialists
Lenders who understand Houses in Multiple Occupation
HMOs require specialist knowledge due to licensing requirements, room size regulations, and fire safety compliance. These lenders have dedicated HMO underwriters who understand the complexities of multi-let properties.
What these specialists cover:
Licensed HMOs with valid certificates
Unlicensed HMOs pending licensing
HMO conversion projects
Large HMOs (6+ lettable rooms)
Student accommodation
Specialist Lenders
| Lender | Rate From | Max LTV | Loan Range | Notes |
|---|---|---|---|---|
| Together | 0.52% /mo | 75% | £50,000 - £5,000,000 | Excellent for HMO conversions. Will fund purchase of unlicensed HMOs where licensing will be obtained. |
| Shawbrook | 0.49% /mo | 70% | £75,000 - £15,000,000 | Prefer licensed HMOs only. Strong on larger HMO purchases in London and South East. |
| MT Finance | 0.55% /mo | 75% | £100,000 - £10,000,000 | Specialist HMO team. Will consider large HMOs and conversion projects. |
| United Trust Bank | 0.48% /mo | 70% | £100,000 - £7,500,000 | Good for standard HMOs. Quick decisions on licensed properties. |
| Glenhawk | 0.50% /mo | 75% | £150,000 - £25,000,000 | Strong appetite for larger HMO portfolios. Will consider student lets. |
Common Questions
Can I get bridging for an unlicensed HMO?
Yes, several lenders will fund unlicensed HMOs where you can demonstrate the licensing will be obtained. Exit strategy is key.
What LTV is typical for HMO bridging?
Most lenders offer 70-75% LTV on HMOs. Licensed properties may achieve slightly better terms.
Do lenders care about Article 4 planning?
Yes. In Article 4 areas, you need planning permission for HMO use. Lenders will want to see this is in place or obtainable.
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