Securing finance for a House in Multiple Occupation (HMO) is uniquely complex. Lenders treat HMOs differently because of higher yields, tenancy structures, and additional licensing requirements. So, you need a guide familiar in this terrain. That’s where I come in. As an independent mortgage broker specialising in HMO mortgages for limited companies, I help property investors and landlords like you source the right lender, understand what’s happening, and secure the most suitable terms available.
Every HMO is different. From University student properties and professional house shares to larger multi-room conversions. Every type of property comes with its own considerations. I’ll start by fully immersing myself in your objectives, property type, and expected rental income. With access to a broad network of lenders I will match your business with finance that suits your business’ needs. I’ll also make sure you fully understand what lenders look for, including:
With the right preparation, we will approach lenders together with confidence to secure funding that aligns with your investment strategy.
If this is your first Limited Company buy to let or HMO purchase, Delato Finance will guide you through the process from start to finish. I’ll explain how HMO lending differs from standard buy to let and make sure you’re ready for any additional requirements involved. Many first-time buy to let or HMO landlords find the process intimidating, but it doesn’t have to be. With my guidance, you’ll circumvent the valuation process, licensing rules, and begin to understand how lenders calculate potential rental yield. Delato Finance will make your first Limited Company buy to let or HMO investment a smoother, more confident experience.
Most commercial mortgage brokers charge between 1% and 2% of the total loan amount, often resulting in thousands of pounds in fees. At Delato Finance, I do things differently. I charge a flat-rate broker fee of £395, payable on application. That’s it — no percentage-based completion fees or hidden extras. This clear, upfront pricing means you can budget with certainty and keep more of your capital free for your investment. By keeping fees low and transparent, I focus on long-term relationships, not short-term commissions. My goal is to help you grow your property portfolio with confidence and trust.
With my experience in specialist property finance, I’ll help you navigate the complexities of HMO lending and find the most competitive rates available for your business.
If you’re planning to purchase or refinance an HMO through your limited company, I can help you secure the right funding quickly and efficiently.
📞 Call us: +44-1604389127
📧 Email: info@delato-finance.co.uk
Let’s find the HMO mortgage that fits your investment goals and start building your portfolio with expert support.