HMO Mortgages

HMO Mortgages


Over the past 12 months, we have seen an increase in enquiries for HMO (House of Multiple Occupation) finance products. Many property professionals are being attracted to the HMO market, especially the traditional BTL investors, who can’t help but see the benefits to a significantly enhanced yield. In fact, the UK has seen growth over the last decade within the HMO market, but there is still a lot of questions being asked about how the asset is valued and what the licensing and planning requirements are. This is something a Commercial Advisor at Ramsay & White can help with.

Historically HMO’s have been seen as a “rent it and forget it” approach, gaining some negative sentiment. However, the landscape is changing and there is now a demand for an immensely different type of HMO. We have seen landlords from across the UK put more thought and effort into their HMO projects, with the focus on bringing a product to market that is attractive to the professionals, as this is where the current demand is coming from, for financial and social reasons. This has been extremely positive for the market and we have seen this type of accommodation and investment become more mainstream.

We will also show you how to enter and exit the deal with the right finance product, that offers you speed and momentum to continue on your property journey.

How We Help You

Ramsay & White Finance for Property Investors

Our clients benefit from our customer-focused and personalised approach, giving them peace of mind and as much involvement in the project as desired.

By understanding your true requirements and matching you with the most suitable lenders, we will match you with the best financial solution in an efficient and timely manner.


Qualified commercial and residential advisers


Specialists in property finance


Passionate and experienced team


Access to whole of market


Fast decision making

Ramsay & White:

T: 02921 111280

E: enquiries@ramsayandwhite.com

Ramsay & White Estate Agents:

T: 01443 803510

E: contact@ramsayandwhite.com

Head Office:

13-14 Neptune Court

Vanguard Way

Cardiff, CF24 5PJ

London Office:

8 St James Square

London, SW1Y 4JU

Opening hours:

Monday to Friday   09:00 - 17:00
Saturday & Sunday       Closed


We are members of the

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Ramsay & White Ltd. Number 814110 - is an Appointed Representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421.

Your home may be repossessed if you do not keep up repayments on your mortgage. Ramsay & White Ltd is registered in England and Wales. Company number: 11127743. Registered office 13-14 Neptune Court, Vanguard Way, Cardiff, UK, CF24 5PJ.

A fee may apply for mortgage advice and, if applicable, you must ask your adviser for details before making any decision relating to a new mortgage as the actual amount will depend on your personal circumstances, but we estimate the typical fee to be £499.