HMO Mortgages

At Ramsay & White, we meticulously sculpt House in Multiple Occupation (HMO) mortgage solutions, crafting a robust foundation for your investment endeavours. Explore bespoke, strategic financial advice designed to turn your property aspirations into tangible success.

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Why HMO Mortgage?

Key Features of HMO Mortgage

Explore the unique advantages and defining benefits of our streamlined HMO Mortgage services, designed for seamless investment in Houses of Multiple Occupation.

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Market Insight & Analysis

Navigating market trends to identify lucrative HMO opportunities, ensuring informed and advantageous investment decisions.

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Bespoke Financial Structuring

Crafting individualised financial frameworks aligned with your investment goals, enhancing the profitability and sustainability of your HMO venture.

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Robust Application Support

Delivering end-to-end assistance during the application phase, mitigating complexities and bolstering the likelihood of approval.

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Post-Completion Guidance

Offering sustained post-mortgage advice and guidance, facilitating seamless property management and optimised returns.

HMO Mortgages FAQs

Find answers to the most commonly asked questions about our HMO mortgages.

What is an HMO Mortgage?
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An HMO mortgage is a type of mortgage used to purchase or refinance a property that will be used as a house of multiple occupancy.

What are the eligibility criteria for an HMO Mortgage?
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The eligibility criteria for an HMO mortgage can vary depending on the lender. However, at Ramsay & White, we consider factors such as the value of the property, rental income, and the borrower's credit history when assessing your eligibility for an HMO mortgage.

What types of HMO Mortgages are available?
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At Ramsay & White, we offer a range of HMO mortgage options to suit your needs, including fixed-rate mortgages, variable-rate mortgages, and tracker mortgages. Our expert advisors can help you find the right option for you.

What types of HMO properties are eligible for a Mortgage?
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At Ramsay & White, we can consider HMO properties with up to six bedrooms and licensed HMOs with seven or more bedrooms. We also consider HMOs that are let to professionals, students, or a mix of both.

Can I get an HMO Mortgage if I'm a first-time buyer?
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Yes, first-time buyers can be eligible for HMO mortgages, subject to eligibility criteria. At Ramsay & White, we can offer up to 75% LTV for first-time buyers who are looking to purchase an HMO property.

How can I apply for an HMO Mortgage with Ramsay & White?
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To apply for an HMO mortgage with Ramsay & White, simply get in touch with one of our expert advisors, who will guide you through the process and help you find the right HMO mortgage product for your needs.

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Have More Questions?
Schedule a call with our Team

Client Success Stories

Hear from our valued clients about how our innovative support and solutions have positively shaped their property investment experiences.

We did our mortgage and remortgage with Hannah Price, she was fantastic! She was very knowledgable and helped us find the best offers for us! I would definitely recommend her to anyone!

Jordanne Casburn

Glad I used Ramsay & White (Jordan and Dean in particular) for a BTL mortgage. They were professional and responsive, and I was able to get an offer from the bank in timely manner. I would highly recommend R&W, they are great!

Emmanuel Unuigboje

Great service from Indigo at Ramsay & White. She is very knowledgable and super responsive - and has got the mortgage offer through in record time! Thank you so much for all of your time and support, Indigo.

Nadine Jump

Great service from Ramsay & White. Joel took the time to meet via zoom to fully understand my requirements before recommending any services/products moving forward. Will Roberts provided weekly+ updates for remortgage and quickly found alternative offers when required. Remortgage completed quickly and without any issues. Excellent customer service, friendly and professional. I would highly recommend!

Ray Dainton

Worked for Joel and the whole team for over 4 years now. Residential, commercial and bridging finance. Always super professional, quick, efficient, helpful and on the end of a call anytime. Highly recommended and we see them as an extension of our own team.

Steven Pardoe

Special thanks to Olly & Will for helping me as a first time buyer. Replies were prompt and they provided me with regular updates. Completely put me at ease, they explained the process and how to get the best deals! Would highly recommend, great customer service.

Alice Evans

Thank you for another easy re-mortgage on one of our properties. You guys are always so helpful and keep us informed each step of the way! We couldn't do what we do with you and your team.

Felicity Antill

I've completed multiple mortgages with help from Chris at Ramsay & White, and intend to do many more, because of Chris's overall excellent service. I would highly recommend. Thanks Chris.

Matt W.
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Learn More About Ramsay & White

Discover our journey, our steadfast commitment to excellence, and how our diverse expertise in property, finance and wealth can be the catalyst in realising your investment aspirations

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