HMO Mortgages

Up to 85% LTV

No Minimum Income

Interest Only or Repayment

First Time or Portfolio Landlords

Multi-Let Including Bedsits Considered

STEP 1

Enquire online

 

STEP 2

Speak to an Advisor

 

STEP 3

Get a Mortgage

 

 

HMO Mortgages

Purchase

Service:++
The service was quick and efficient, we dealt initially with Peter Bartlett who helped us on the way to securing a mortgage which we thought would be difficult considering our age (70's). We also had help from the following Steven Marsh, Conor Sturton-Mason, Gorgina Case, Anna Kirk and of course Fowzia Sultana. We would thoroughly recommend Capital Fortune, the team did a great job.
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Purchase

Service:+
very good
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On 20-Oct-2017 the supplier responded:
Thanks for feedback

 
It was quite an easy decision to make….the run of the mill mortgage brokers really were not going to be able to help me on this one. I would recommend Capital Fortune to any one asking and I do so too.
Joe Crosby, Golders Green

HMO Mortgages are mortgages for houses with multiple occupants and have become a niche area of mortgage lending. The definition of a HMO is problematic as certain Local Authorities such as Oxford deem a house of multiple occupancy to be three unrelated tenants living in one property whilst other Councils may have definitions of four, five or more. HMO lender requirements may or may not require the property to be registered and specific lending criteria is essential to fully understand in order to prevent disappointment.

HMO mortgages range from a house of sharing tenants to properties with multiple kitchens, bedsits and several self contained flats under a single legal title.

We appreciate that the structure and complexity of HMO mortgages are generally misunderstood by the majority of lenders or brokers.

 

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STEP 1: Online Enquiry

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