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

01

Service

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.

02

Expertise

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.

03

Relationships

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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Testimonials

Our happy clients

As a returning customer, I would like to express my sincere thanks to the team for their outstanding support during the completion of my property purchase. In particular, Catherine and Darren have been incredibly helpful throughout the process. Their communication, professionalism, and customer service have been absolutely excellent, making the entire experience smooth and reassuring. Many thanks again for all your hard work.

Completion

April 2026

My fiancée and I were recommended to LDN Finance when we started our mortgage journey, and the service we have received, and continue to receive, has been outstanding throughout. Phil Levesley initially looked after us and made what can be a very daunting process feel straightforward and easy to understand. He took the time to explain everything clearly, never rushed us, and was always happy to answer any questions we had. Nothing ever felt like too much trouble. As part of the process, we also wanted to explore a number of protection policies, and Phil introduced us to his colleague,

Expert Guidance Every Step of the Way

June 2026

Owen was absolutely amazing and supported me every step of the way throughout the mortgage process. He was always clear, patient, and incredibly reassuring, making what could have been a stressful experience feel smooth and manageable. Bharathy was also really helpful, promptly getting in touch and making sure all the relevant information was handled efficiently. I couldn’t be happier with the service and would highly recommend them both. Five stars without hesitation.

Outstanding mortgage support

February 2026

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

 

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