HMO Mortgages

At RamsayAt Ramsay & White, we meticulously sculpt House in Multiple Occupation (HMO) mortgages to create a robust foundation for your investment endeavours.Get bespoke strategic financial advice from our HMO mortgage team in Cardiff to turn your property aspirations into tangible success.

a row of multicoloured houses with a blue door
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.

two houses with a graph icon

Market Insight & Analysis

Navigating market trends to identify lucrative HMO opportunities so you can make informed, advantageous investment decisions.

Pound sign icon

Bespoke Financial Structuring

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

tax planning icon

Robust Application Support

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

Information desk icon

Post-Completion Guidance

Offering sustained post-mortgage advice and guidance to facilitate 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?
arrow down

An HMO mortgage is used to purchase or refinance a property that you plan to rent out to more than three tenants who aren’t from the same family.

What are the eligibility criteria for an HMO Mortgage?
arrow down

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?
arrow down

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?
arrow down

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?
arrow down

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?
arrow down

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.

Can I have an HMO on a buy-to-let mortgage?
arrow down

Buy-to-let mortgages are typically used for properties that will be inhabited by a family, couple or individual. If you want to buy property that you’ll rent to multiple people from different families, you’ll need to apply for an HMO mortgage.

What’s the difference between a commercial mortgage and an HMO mortgage?
arrow down

Although HMOs are used to make a profit, they don’t necessarily require a commercial mortgage. However, commercial finance may be necessary if the property you want to buy doesn’t meet the standard HMO criteria. For example, the property might be a pub or guesthouse that has been converted into an HMO.

arrow down
arrow down

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

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

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

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.

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
a large building facade

Schedule a Call Today

Complete the form below and a member of our team will be in touch.

By clicking Submit you're confirming that you agree with our Privacy Policy.
Form sent successfully.
Our team member will be in contact with you shortly.
Something went wrong while submitting the form. Please try again.
News & Updates

Latest on HMO Mortgages

Gain deeper insights, discover innovative strategies, and stay updated with the latest property industry trends.

The BRRRR Property Strategy Explained

The BRRR Property Strategy Explained

BRRR stands for Buy, Refurbish, Refinance, Rent. The BRRR Method is a real estate investing technique that entails purchasing a property, fixing it...
A Guide to Buy-to-Let Mortgages in 2024

A Guide to Buy-to-Let Mortgages in 2024

The UK buy-to-let (BTL) market comprises around 2.65 million private landlords with over 8.7 million rental properties, valuing the UK buy-to-let...
How to Diversify Your Buy-to-Let Property Portfolio

How to Diversify Your Buy-to-Let Property Portfolio

Many property investors find a strategy that works for them and tend to stick to what they know without ever trying something new. Wanting to...

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

a group of people sitting at a table with laptops