House in Multiple Occupation - (HMO)

Do you have a client who is a landlord looking to purchase or remortgage a HMO?

At Family Building Society, available to UK and Expat landlords and Limited Company SPVs, we offer Buy to Let mortgages designed specifically for landlords managing small HMOs.

Self employed and need a mortgage?

Our HMO mortgage products provide financing for properties with:

  • Up to four bedrooms
  • A maximum of six tenants.

You can view our current range of HMO products below.

Key information

  • This product is available to UK and Expat landlords and Limited Company SPVs
  • This product is not available for student lets or care homes
  • Maximum Loan to Value (LTV): 75%.

Whether your client is expanding their property portfolio or refinancing an existing HMO, our mortgage solutions provide the flexibility and support they need.

Check affordability and complete a DIP request 

Affordability Calculator     Buy to Let DIP request

Ready to submit an application?

Buy to Let application pack   Mortgage Hub

Accountant's certificate form    

Our mortgage products available for House in Multiple Occupation (HMO)

Sort products by:
Initial
Rate		 Initial
Rate Ends		 Follow On
Rate		 Max.
LTV		 Application
Fee		 Product
Fee		 Cashback on
Completion		 Repayment Interest
Only		 FTB

5.44% HMO 2 Year Fixed Rate to 31/01/2028 (XF1093)

 Code XF1093 (EB)
31/01/2028 8.69% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 31/01/2028
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC.

5.44% HMO Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1102)

 Code XF1102
31/01/2028 8.69% 75% £175* 1.00%~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/01/2028
  • Application fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.5% APRC.
  • Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320

    HMO Specific Criteria

  • Properties with four, or fewer, lettable bedrooms with a maximum of 6 occupants will be considered
  • The SPV must have owned and maintained a Buy to Let property for a minimum period of 12 months in either personal name or whilst the director/shareholder of a Limited Company
  • Not available for student lets and care homes.

5.44% HMO Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1102)

 Code XF1102 (EB)
31/01/2028 8.69% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 31/01/2028
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC.

5.44% HMO 2 Year Fixed Rate to 31/01/2028 (XF1093)

 Code XF1093
31/01/2028 8.69% 75% £175* £999~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - HMO applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/01/2028
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.5% APRC.

5.49% HMO Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1103)

 Code XF1103
28/02/2031 8.69% 75% £175* 1.00%~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • Application fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.8% APRC.
  • Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320

    HMO Specific Criteria

  • Properties with four, or fewer, lettable bedrooms with a maximum of 6 occupants will be considered
  • The SPV must have owned and maintained a Buy to Let property for a minimum period of 12 months in either personal name or whilst the director/shareholder of a Limited Company
  • Not available for student lets and care homes.

5.49% HMO 5 Year Fixed Rate to 28/02/2031 (XF1094)

 Code XF1094
28/02/2031 8.69% 75% £175* £999~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - HMO applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.7% APRC.

5.49% HMO 5 Year Fixed Rate to 28/02/2031 (XF1094)

 Code XF1094 (EB)
28/02/2031 8.69% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 28/02/2031
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC.

5.49% HMO Expat 2 Year Fixed Rate to 31/01/2028 (XF1109)

 Code XF1109
31/01/2028 8.69% 75% £175* 1.00%~ £0^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - HMO Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/01/2028
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.5% APRC.

5.49% HMO Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1103)

 Code XF1103 (EB)
28/02/2031 8.69% 75% £125* £0~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 28/02/2031
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

5.49% HMO Expat 2 Year Fixed Rate to 31/01/2028 (XF1109)

 Code XF1109 (EB)
31/01/2028 8.69% 75% £125* £0~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 31/01/2028
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC.

5.64% HMO Expat 5 Year Fixed Rate to 28/02/2031 (XF1110)

 Code XF1110
28/02/2031 8.69% 75% £175* 1.00%~ £0^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - HMO Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.9% APRC.

5.64% HMO Expat 5 Year Fixed Rate to 28/02/2031 (XF1110)

 Code XF1110 (EB)
28/02/2031 8.69% 75% £125* £0~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 28/02/2031
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

Criteria checker

Can we help your client? Use our tool to find out.
Simply type your criteria to see our levels of acceptance and flexibility.

Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
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Your Local BDM:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

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