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Commercial Mortgages and Short Term Property Finance HMO Mortgage


The Independent mortgage specialist for Commercial & Semi-Commercial property, Bridging Loans & Development Funding,  Homes In Multiple Occupation (HMO) Mortgages & Buy to Let Landlord Finance.

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HMO Landlords

Mortgage products for HMO Landlords

We have 7 major lenders willing to fund HMO property purchases and remortgages. They will lend on virtually any size of property and larger loans are welcome. Bank of England tracker rates, LIBOR rates and fixed rates all available. We even have a mortgages at 85% LTV with no early repayment penalty. First time landlords are also acceptable at 85% LTV

  • Multi let property
  • Student share
  • Mixed units
  • Above retail

No-Obligation quote for a HMO Mortgage – see what we could do for you  Free HMO Mortgage Quote

HMO Mortgages

Bridging Loans


Get competitive quotes for fast bridging

We have access to all mainstream bridging lenders and private investors. Interest rates start from 0.65% per month and terms are available from 1 day to 2 years. No proof of income necessary. Fast decisions. Loans from £10,000 to £5m. Ideal for auction purchase, refurbishments and conversions. Stage drawdowns available. Up to 100% with additional security.

  • Self Cert loans
  • Unmortgagable properties
  • 1mth to 12mths
  • Auction purchases


Bridging Loans

Self Build Finance

Funding up to 85% of purchase price and up to 85% of build costs. Applications welcomed for traditional building plots and new self-builds, or demolition and rebuild, or full renovation projects. No need to sell existing main residence before purchase. Low interest rates and interest-only payments during the build phase to maximise cashflow. Lending throughout UK mainland.

  • Site plot funding
  • Phased lending
  • Loan advice
  • Renovation mortgage
  • Land Finance


Self Build Mortgages

BTL Investment

Buy to let mortgages

All BTL lenders available and up to 85% LTV. Remortgage within 6 months of purchase. Capital raise after refurb.   No early repayment penalty. No lender arrangement fee. Trackers and fixed rates. Low interest rates from 1.99%. No broker fee option.

  • Multi let property
  • Renovation BTL
  • Freehold flats
  • Mixed retail residential


Buy To Let Mortgage

Development Funding

Development funding small housing development

We use prime lenders and private investors. Single property projects or large developments. No previous experience necessary. Lending based on GDV and other property can be used to support higher loans. All UK mainland locations. Fast decisions. Stage drawdowns.

  • Development funds
  • Site & Land finance
  • Phased development loans
  • Private funders

Development Finance

Business Finance

Finance for business and commerce

Our lending partners can fund all aspects of business finance, whether invoice factoring to boost cashflow, or asset finance for that new peice of equipment or even a vehicle. You can even raise capital on your existing equipment, machinery and even office furniture.

  • Trade Factoring
  • Structured loans
  • Business loans
  • Management buy outs

Business Loans



HMO Mortgages

There is no automated searching system for finding HMO mortgages. These must be individually sourced and most of the lenders are not high street banks or building societies, we can also source mortgage for Multi Let & Homes In Multiple Occupation Property from Merchant Banks and other Specialist Commercial Lenders.  All the HMO lenders are on our panel and we receive regular updates from them, informing us of interest rate changes and criteria changes. Contact us now on 0117 223 2050 to discuss your specific requirements. We will advise you of all your options and suggest the most appropriate HMO product for you and arrange for a lending decision in principal, if required.  Fill out our online HMO Mortgage quotation form for a free no-obligation mortgage quote and see what we could do for you.

Show Typical Interest Rates Table
Loan Type Max LTV Min Rent Cover  Interest – Only Rates From
Multi-Let &  HMO 85% 125% yes 3.29%
Standard BTL 85% 125% yes 1.99%  at 60% LTV
Commercial Investment 75% 110% at 6.45% yes Please enquire
BTL Light Refurbishment 75% 125% at 5.39% yes and NO ERC 5.39%
Large HMO / Halls of residence 75% 130% yes 4.40%
Secured Loan 95% n/a yes Please enquire
Bridging Loan 70% n/a yes 0.65% per month

The above chart is designed to show what is available in each loan category, for example in standard Buy-to-Let mortgages the maximum loan-to-value in the market is 85% and the lowest interest rate in the market is 1.99%.


Show BTL Mortgages information

Awaiting new text 13/01/2014

Latest deals on Landlord financing

Buy To Let Mortgages


Initial Rate

Rate Term

Lenders Completion fee

Booking fee

Information & Incentives


4.99% Fixed

For 2 Years 2.5% £130 Arrangement fee can be added to the mortgage.


5.99% Discount

For 2 Years 2.5% £130 Available for Ltd Co applications, HMOs & Multi-Unit properties up to 4 flats in 1x title
80% 4.14% Fixed To 31/12/2015 2.5% (Min £595) £0 No proof of personal income required for experienced landlords


4.95% Discounted

For 2 Years nil nil One free standard valuation for properties up to £250,000 or contribution of £240 towards valuation costs for properties over £250,000


2.84% Fixed

To 30/11/2015 2.5% £195 Free standard valuation (no maximum)


2.88% Tracker

For 2 Years 2.5% £150 Free valuation for purchases and remortgages & free legals on remortgages


3.75% Discounted

For 2 Years nil nil One free standard valuation for properties up to £250,000 or contribution of £240 towards valuation costs for properties over £250,000


4.20% Tracker

For 2 Years 3% £150 Available for Ltd Co applications, HMOs & Multi-Unit properties up to 20 flats in 1x title


2.45% Discounted

For 2 Years £1950 £250 One free Valuation on properties valued up to £1,000,000
 60%  3.39% Discounted To 30/11/2015  1% £99 Free legals on remortgages only


Please note: Due to current market conditions, lenders are withdrawing and replacing products with little or no notice. Please check this website regularly to see the most up-to-date products available.

If you would like more information on any of the above products please do call us where we will be happy to discuss.  If your purchasing or remortgage requirements are not listed or otherwise finding difficulty in securing funding for your requirements please do call as in many cases we can find a solution or advise on the best way forward.

Make an enquiry online form

Tel: 0117 223 2050

Your home may be repossessed if you do not keep up repayments on your mortgages. The Financial Conduct Authority does not regulate some forms of mortgage.