HMO Mortgages - LDN Finance

HMO Mortgages

At LDN Finance, our extensive panel of mortgage lenders enables us to secure bespoke HMO mortgages for converted or purpose-built properties in the UK.

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hmo mortgages

Let’s discuss your next exciting HMO investment opportunity to kick-start or broaden your property portfolio.

Recent tax changes have encouraged property investors to find new ways of achieving the high returns that were previously possible through building a traditional buy to let portfolio. Enter: HMOs.

With a wealth of experience of the exacting lending criteria of HMO mortgage lenders, choose our dedicated commercial finance advisers to source a suitable product that works for your HMO investment property.

To discuss your aspirations in more detail, get in touch with our professional specialist finance team today.

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our values

How we work



Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.



We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.



We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.

HMO Mortgages with LDN Finance

A growing number of LDN Finance clients are looking to invest in Houses of Multiple Occupation (HMOs) due to the high rental yield they can achieve. At LDN Finance, our extensive panel of mortgage lenders enables us to secure a bespoke HMO mortgage for converted or purpose-built properties anywhere in the UK.

If you have a great opportunity for a multi-let property, speak to our experienced and proven commercial finance advisers to find the most appropriate funding solution to make your ambition a reality. The most attractive deals can achieve up to 85% loan to value (LTV) and, with interest rates still very low, we can ensure swift lending decisions from lenders that typically accept your unique risk profile.

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What is defined as an HMO?

Your prospective property investment is defined as a large HMO if all of the following apply:

  • If the property is rented to five or more tenants who form more than one household
  • If at least one tenant pays rent (or their employer pays it for them)
  • If the property’s tenants share toilet, bathroom or kitchen facilities

Whether you’re a first time landlord or a seasoned landlord with a growing portfolio of HMOs, at LDN Finance we can secure you an HMO mortgage for outright purchases or refinance arrangements.

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Our happy clients

LDN Finance were on the ball, helpful, supportive and nice to deal with. They were brilliant at back channelling with both lender and lawyers. We had tricky development and bridging finance and a short time frame. I would recommend them.

Mr. H

April 2021

LDN Finance are a very professional and helpful company. We have done several deals though Chris and the Specialist team and I would thoroughly recommend them.

Mr. S

August 2021

An extremely professional service, explaining different stages of the bridging refinance process. I was kept informed with regular updates as to progress and requests for additional information. I would recommend with confidence.

Ms. M

August 2021

we are here to help

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Contact our professional and experienced specialist finance brokers and start your property finance journey today.


Prefer to chat? Call us on 020 3903 9875


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