HMO Mortgages

You’ve found the right property, now you need to find the right mortgage

UK’s #1 HMO Mortgages Specialist

HMO Mortgages (stands for “house in multiple occupation”) have increased over the past decade among investors and property owners.  Due to this popularity and high demand, there are more regulations for those interested in HMO Mortgages.  

GPS Financial is the leading specialist for HMO Mortgages. Whether you are interested in investing in your first HMO or expand your portfolio, we can help you arrange new HMO funding, mortgages, and remortgages.

We have access to specialist lenders offering up to 85% loan to value (LTV) and rates from 3.8% above the interest rate.

Defining HMO Mortgages

One or More Accommodation

A HMO consists of one or more accommodation units, which are not self-contained apartments. Occupants are not a single household, and will not be related, and rent the space as their main or only residence.

Usually have shared sections

Health maintenance organization will usually have shared kitchen and bathroom facilities, for the use of all occupants. Each HMO occupant will, individually, pay rent to the landlord of the entire property.

Utilities within the rental charged

Landlords will often provide services such as utilities within the rental charged. Depending on the local authority where the property is located, and the size of the property, they may need a licence to operate the HMO.

Best HMO Mortgage


GPS Financial has many years of experience arranging HMO mortgages for purchase or remortgage. We have access to niche lenders specifically providing HMO mortgage funding.

HMO Mortgages can support a range of properties including:

  • Student accommodation
  • House-shares for young professionals
  • DSS house-share
  • Company portfolios

By handling your application directly, it is possible to approach the right HMO Mortgage with acceptable terms and rates:

  • Up to 85% loan to value (LTV)
  • Rates from 3.81% above the base interest rate

How to Apply?

If you are seeking a commercial mortgage broker to navigate you through a clear and successful process, GPS Financial will support you in handling your HMO Mortgage application. Get in touch 02922 677 725, or fill out the form on the contact page. 

Testimonials From Our Great Customers

"GPS financial have been absolutely invaluable in the growth of my business."

I have found the whole team very professional and knowledgeable. The founder Morgan Stewart has been brilliant and for this reason I continue to recommend to anyone that asks me for a broker.

- Michael Kalisperas

Testimonials From Our Great Customers

"Your work over the past few weeks has been massively appreciated."

 "My old broaker couldn't get me a ortgage. Morgan found solutions to all the hurdles we came across. In a very tight timeframe we managed to complete on two properties before the stamp duty hike. Fantastic, level headed and professional. Thank you."

- Morgan

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