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Home » Mortgage FAQs » Can a House of Multiple Occupancy (HMO) have a standard Buy to Let mortgage secured on it?

No.  An HMO mortgage is a type of mortgage specifically for landlords who want to rent out their property to more than three tenants who aren’t from one household.  These mortgages have some key differences, such as lenders only considering experienced landlords, and maximum LTV ratios typically between 60-75%.  Some lenders will also have requirements about the property itself.

A mortgage broker can help you navigate all the various restrictions & conditions to help you find a willing lender.

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