HMO Mortgages
Key Features of HMO Mortgage
Market Insight & Analysis
Navigating market trends to identify lucrative HMO opportunities, ensuring informed and advantageous investment decisions.
Bespoke Financial Structuring
Crafting individualised financial frameworks aligned with your investment goals, enhancing the profitability and sustainability of your HMO venture.
Robust Application Support
Delivering end-to-end assistance during the application phase, mitigating complexities and bolstering the likelihood of approval.
Post-Completion Guidance
Offering sustained post-mortgage advice and guidance, facilitating seamless property management and optimised returns.
HMO Mortgages FAQs
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.
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.
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.
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.
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.
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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