HMO Finance
Finance for Houses in Multiple Occupation
HMO properties can offer investors a different investment proposition from standard buy-to-let property, but the funding requirements can also be more complex.
BAT Financial Solutions can help landlords and property investors explore finance for purchasing, refinancing and improving HMO properties.
What can HMO finance be used for?
Depending on the circumstances, funding may potentially be used for:
- Purchasing an existing HMO
- Refinancing an existing HMO
- Converting a property into an HMO
- Refurbishing an existing HMO
- Releasing equity
- Financing an investment property
- Supporting a wider property investment strategy
HMO experience and structure
The property itself is only part of the funding assessment.
Lenders may consider factors such as:
- Number of bedrooms
- Existing or proposed configuration
- Planning and licensing requirements
- Location
- Rental income
- Property value
- Borrower’s experience
- Existing property portfolio
- Credit history
- Proposed borrowing and affordability
Every HMO is different, which is why understanding the property and the wider investment strategy is important.
Existing HMO landlords and new investors
Whether you already operate an HMO portfolio or are considering your first HMO investment, the funding options available can vary depending on your circumstances.
We can help you understand the potential routes before approaching lenders.
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Deal First. Lender Second.
We start with the property and your plans, then consider the funding structure and potential lenders.