Securing an HMO (House in Multiple Occupation) mortgage can feel like a challenge. Stricter lending requirements, larger deposit expectations, and complex regulations often make the process far more difficult than securing a standard buy-to-let mortgage. Lenders typically have specific conditions when it comes to HMO financing, and that’s where mortgage brokers come in. These professionals specialize in finding lenders willing to finance HMO investments and securing the best possible deals for property investors.
Whether you’re just starting out or already managing multiple HMOs, working with a specialist broker can save you time, money, and stress. The brokers listed here are well-versed in HMO mortgage solutions, ensuring you get the financing you need without unnecessary obstacles.
Here are the top 10 HMO mortgage broker services in the UK:
- Pearl Lemon Properties
- Property Sourcing Experts
- OS Residential Properties
- Total Property Group
- Trustpilot
- Artth Group
- Watts & Co
- Flambard Williams
- Property Investor Today
- Varso Invest
Let’s go through what each of these brokers offers and how they can help you secure the right mortgage for your HMO investment.
1. Pearl Lemon Properties
At Pearl Lemon Properties, we do more than just arrange mortgages—we provide investors with comprehensive support throughout their HMO journey. Our team has years of experience in the property sector, with a strong focus on helping landlords and investors secure competitive financing options for HMOs.
Many mortgage lenders have strict conditions regarding rental income, licensing, and property layout, which can make securing a mortgage for an HMO property challenging. Our team understands these complexities and works directly with lenders to find solutions that fit your needs.
What We Offer:
- HMO mortgage brokering with access to specialist lenders
- Assistance with buy-to-let and multi-unit financing
- Portfolio management for landlords with multiple HMOs
- Market research and investment analysis
- End-to-end support, from property acquisition to financing
We don’t just help you secure financing—we assist you in building a strong, high-yielding property portfolio.
2. Property Sourcing Experts
Property Sourcing Experts specialize in helping investors secure financing for high-yield properties, particularly HMOs. They have strong relationships with lenders who understand the risks and rewards of HMO investments.
Their team takes a data-driven approach, analyzing market trends to match clients with the right lenders. This makes them a go-to choice for those who want clear, structured financial advice before committing to a mortgage.
3. OS Residential Properties
OS Residential Properties is a trusted name in the property finance industry, with a strong reputation for securing competitive mortgage rates for HMO investors. Their focus is on long-term sustainability, ensuring clients can maintain profitable rental income while meeting lenders’ criteria.
Transparency is a key part of their service. They provide detailed reports on potential financing options, so clients have all the information needed to make informed decisions.
4. Total Property Group
Total Property Group offers a comprehensive approach to mortgage brokering, connecting clients with lenders that provide favorable HMO financing options. They work with a range of property investors, from first-time buyers to those expanding an existing portfolio.
They have access to exclusive deals from lenders who understand the complexities of HMO properties, making them a preferred choice for investors looking to secure financing without unnecessary delays.
5. Trustpilot
Trustpilot isn’t a mortgage broker itself, but it plays a crucial role in helping investors find reputable HMO mortgage brokers. By offering verified client reviews and ratings, Trustpilot makes it easier to identify mortgage brokers who have a proven track record in the industry.
Whether you’re looking for a specialist in HMO financing or a broker who understands portfolio expansion, Trustpilot’s reviews provide valuable insight into service quality.
6. Artth Group
Artth Group is known for providing practical mortgage solutions tailored to the needs of HMO investors. They focus on structuring deals that maximize return on investment while keeping mortgage terms flexible for landlords managing multiple properties.
They offer expert advice on everything from financing a first HMO to structuring mortgages for larger property portfolios. Their ability to find alternative lending solutions makes them a strong choice for investors with unique financing requirements.
7. Watts & Co
Watts & Co is a boutique mortgage brokerage with a strong focus on personalized service. They specialize in securing financing for properties with high rental demand, particularly in university towns and major city centers.
Their expertise in structuring deals for first-time HMO investors makes them a preferred choice for those looking to enter the market with confidence.
8. Flambard Williams
Flambard Williams is a property investment firm that also offers mortgage brokerage services for HMO properties. They provide access to specialist lenders who understand the financial structure of HMO investments, ensuring clients receive competitive mortgage rates.
Their investment strategies are designed to help clients secure properties with strong capital appreciation potential, making them a valuable partner for long-term investors.
9. Property Investor Today
Property Investor Today is both a news platform and a mortgage brokerage, offering investors access to HMO financing solutions alongside industry insights. Their service is particularly useful for those who want to stay informed on market trends while exploring mortgage options.
They provide detailed breakdowns of financing strategies, helping investors make well-informed choices about their HMO portfolios.
10. Varso Invest
Varso Invest is an investment-focused mortgage brokerage that works closely with landlords to structure financing solutions that fit their long-term goals. They specialize in multi-unit and HMO financing, making them a strong choice for investors who want customized mortgage strategies.
Their ability to identify high-growth areas and secure favorable mortgage terms makes them a valuable resource for anyone looking to scale their HMO portfolio.
Final Thoughts
Securing the right mortgage for an HMO investment requires industry knowledge, financial expertise, and access to specialist lenders. The mortgage brokers listed here have built strong reputations by helping landlords navigate complex lending requirements and secure financing tailored to their needs.
If you’re serious about investing in HMOs, it’s essential to work with a broker who understands the unique challenges of this type of financing. Start with Pearl Lemon Properties—we’re here to help you find the best financing options for your investment journey.