We support a wide range of HMO investors, including:
HMO lending is strict – but our four-step process keeps everything clear and fully managed.
A free consultation to understand your experience, property plans, licensing requirements, and rental yield targets.
We compare whole-of-market lenders - including niche HMO providers offering SPV structures, portfolio deals, and competitive stress-test calculations.
We handle the paperwork, liaise with underwriters, and ensure compliance with licensing, safety standards, and valuation requirements. “Their team handles the heavy administration, liaising directly with underwriters to push applications forward quickly.”
We support you through completion and remain available for future refinancing, portfolio expansion, or conversion projects.
Risk Warning: Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Most HMO investors use SPV structures for tax efficiency and portfolio growth.
We help with:
HMO lending becomes more complex as portfolios grow – we specialise in:
For investors converting properties into HMOs, we support:
We help yield-focused investors maximise returns through:
Any property rented to 3+ unrelated tenants from multiple households sharing facilities such as a kitchen or bathroom.
Most lenders require 25–35% deposit, with higher thresholds for large HMOs or first-time HMO buyers.
Yes – lenders typically require a valid licence or proof of application before releasing funds.
Yes – HMO rates are usually higher than standard buy-to-let due to increased risk and stricter criteria.
Yes – many investors use SPV structures, though personal guarantees are common.
Most lenders require prior landlord experience, but some specialist lenders may consider exceptions.
Clear, strategic guidance – even when high-street banks say no.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Contact us
18 Weeks Ago
As a contract worker, I honestly never thought I’d be able to get a decent mortgage offer from a high street bank. I was worried and unsure where to start. But thanks to Sam and his incredible team at Clark Mortgage, I’ve now secured a mortgage offer with a great interest rate—and I couldn’t be happier!
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