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HMO Mortgage

As demand in the housing market continues to rise, more and more people are now choosing to live as part of a house share.

An HMO, or House in Multiple Occupation, is a certain type of Buy to Let property. These are typically single properties or households in which three or more unrelated individuals live together, each with a separate tenancy agreement. It’s a common setup in areas with particularly high property prices like London, and these properties tend to be bought as investments.


HMO mortgages differ from regular mortgages in that they can be more difficult to secure – but we can help. We’re experts in helping buyers successfully obtain HMO mortgages, with access to exclusive lender relationships and great deals.

Do I qualify for an HMO mortgage?

In order to operate as an HMO, you must first check with the local council as you may require a licence, depending on the size and nature of the property.


You may also be asked to provide the following information:


  • Your experience as a landlord
  • The estimated rental per room
  • The number of rooms for let
  • The property value


Lenders will carry out the standard mortgage assessments to determine whether you’re eligible for an HMO mortgage.

Ready to see what we can do?

Want to understand more about HMO setups and mortgages? Just get in touch and we’ll be happy to discuss your options.

Momentum Mortgages is proud to be a part of Embrace Financial Services .