Get access to HMO finance packages from leading UK lenders for developing new-build HMO units and refinancing existing units.

Commercial HMO Mortgages Available For:

  • All new-build HMO projects
  • Refurbishment or redevelopment of existing commercial HMO units
  • Refinancing (remortgaging) of existing commercial HMO units
  • HMO financing available for licensed as well as non-licensed HMOs
  • Please read on to find various types of build-to-let and buy-to-let commercial properties that qualify for our HMO financing packages.

A ‘House in Multiple Occupation’ (HMO) is a widely used commercial letting option that is increasing popular with property developers, property owners and tenants alike. As recent upheavals in the UK economy, along with reduced housing benefits, start impacting at the ground level, experts believe that HMOs will only continue to rise over the coming years.

Therefore it’s naturally understandable that both landlords and property investors are interested in maximising the potential from this market sector, whilst equally playing their part in offering good quality and affordable housing to tenants. An HMO finance package is much-needed to help your new HMO development project materialise or to refinance your HMO project with a more affordable deal once refurbishment / conversion works have been completed.

An HMO finance package is much-needed to help your new HMO development project materialise, or to refinance your HMO project with a more affordable source of long term finance once all refurbishment / conversion works have been completed.

Key Features of Our HMO Finance Services

  • Borrow up to 75% LTV commercial value or 85% bricks and mortar value
  • Access to Whole of Market Lenders
  • HMO mortgage broker that covers the widest range of HMO projects
  • HMO mortgages available from as low as £50,000
  • All applications are assessed and acted upon within 24 hours
  • Get funded from specialist HMO lenders across the UK
  • Most affordable and flexible interest rates
  • HMO mortgage terms best-suited for your repayment terms
  • No hidden charges
  • No-obligation quotes available free of charge
  • Over a decade’s worth of experience to help you find the best deal

What is an HMO? Who Qualifies for an HMO Finance Package?

A property is considered to be a House in Multiple Occupancy (HMO) if:

“Three or more unrelated persons occupy the property with self-contained rooms and shared communal facilities (such as bathrooms, kitchen etc.)”

At Commercial Finance Network, we cover all sizes and types of HMO properties as far as HMO financing is concerned. Some typical examples include:

  • A shared house with one or more ASTs
  • Houses converted into self-contained bedsits
  • Student halls or student house-shares
  • Lodging houses
  • Houses converted into B&Bs
  • Shared flats
  • Purpose built blocks with multiple self-contained units

With continued changes to HMO legislation and the ongoing tightening of the HMO licensing specifications both nationally and by local authorities, Landlords are finding that more and more HMOs are now requiring a license in which to operate legally.

We work with numerous specialist HMO Lenders who offer finance to both licensed and unlicensed HMOs so long as the appropriate local amenity standards are adhered to and the premies are naturally operating lawfully.

Mandatory HMO Licensing

With new regulations now in place since 1st October 2018, an HMO now project requires a mandatory licence only if:

  • More than 5 unrelated persons occupy the property

The new changes now mean that ALL HMOs requiring a license if  they have 5 or more unrelated persons occupying the property, regardless of how many storeys the property contains.

Why Use HMO Finance?

Private HMO finance is a popular option with HMO owners as getting a bank or a mainstream lender with ultra-conservative lending parameters to offer an HMO mortgage is rather difficult, since it is a very specialist product and one rarely understood by most mainstream lenders.

HMO finance packages are typically used to develop commercial build-to-let HMO units from the ground-up. They are also used to refurbish existing HMO units in order to install the necessary fire protection systems or possibly add extra rooms etc. Additionally, a common reason for seeking specialist HMO Finance is to refinance some existing short-term sources of finance to provide a longer term source of finance &/or to save on high rates of interest.

Whatever your particular requirements may be, you can count on us to find the best HMO lender for you so that your investment in an HMO project realises excellent returns for you.

Why Commercial Finance Network?

Commercial Finance Network was among the first specialist commercial brokers to realise the potential for growth of HMO housing. We are among the pioneers when it comes to designing HMO finance packages based on the potential of the project, so that borrowers can get the highest LTV in the market with low interest rates.


“Getting approved for an HMO mortgage becomes much easier when you have a seasoned HMO broker like Commercial Finance Network, the pioneer of HMO financing in the UK, working with and for you.”


Let’s take a look at what really makes our HMO finance packages the most suitable choice of HMO mortgages for you:

  • We specialise in customising HMO finance packages based on your requirements.
  • We work tirelessly to bring on board the best HMO lenders to finance your project, while also ensuring that the funds are released to you on an urgent basis.
  • We’re a Whole of Market Broker, so able to offer an extensive range of HMO lenders.
  • Efficient and prompt customer service is the cornerstone of our operations.
  • Just like major banks, we coordinate our national operations with local representatives in your city. When you deal with Commercial Finance Network, you deal with real people who maintain a face-to-face working relationship with you, as opposed to most HMO mortgage brokers out there who prefer to stay ‘faceless’.

HMO Financing Doesn’t Always Have to be a Compromise!

Just because mainstream lenders tend to stay away from financing HMOs, you don’t have to settle for a deal that simply doesn’t work for you. Let our HMO mortgage experts find the best HMO loan solution for you – Get in touch with us today to speak with one of specialist HMO Mortgage Experts.

Our HMO Finance Reviews

Going above and beyond

Rated 5 out of 5
January 7, 2021

Couldn’t be happier with the service we received from the team at CFN – easy to communicate with, always helpful, patient and friendly. Walked us through the entire process. Highly recommended!

N Cox

Great result

Rated 5 out of 5
October 30, 2020

Tom helped us get a great result in a complex and challenging set of circumstances. He took the time to understand our situation and was right there with us throughout the process. Recommend highly.

J Brown

Best mortgage broker

Rated 5 out of 5
August 21, 2020

Guy and his team are highly professional. He went above and beyond to help us with our HMO. I thoroughly recommend them to people at my networking events, he is an excellent mortgage broker and highly ethical. Very happy with his services!

Mark Preston

Will certainly use again

Rated 5 out of 5
June 16, 2020

I am really happy and appreciate all your efforts. Such an amazing and wonderful experience and saved me a lot of time and money with my remortgage. Will certainly use again and recommend to all my property investor friends.

A Jarrett


Rated 5 out of 5
May 9, 2020

An absolute pleasure to deal with. Can highly recommend.

Tom Boyce

Satisfied with the offers

Rated 5 out of 5
February 13, 2020

My application for an HMO loan fetched a couple of really good offers from CFN. Happy with the whole experience and would use again.

K Talbot

Our experience with Commercial Finance Network

Rated 5 out of 5
December 31, 2019

I run three HMOs in two cities. My husband and I recently decided to upgrade our properties a fair bit. Andrew from Commercial Finance Network was really patient with us, talked us through the entire HMO finance process and personally monitored the progress. We are now 8 months into repayment and couldn’t be happier with our experience. Highly recommended especially for landlords and HMO owners.

Kimberly Herbert

Great services for landlords

Rated 5 out of 5
October 30, 2019

I trusted CFN to handle my HMO refinance project and they did a commendable job. Saved a few thousand pounds in the process for me.

Matthew Campbell

Low interest rates

Rated 5 out of 5
September 16, 2019

My BTL and HMO business has been a long term customer. Prefer their low interest rate offers to high street banks.

Lesley Bremond

Better than high street brokers

Rated 5 out of 5
July 21, 2019

No hassle and zero bumps in the road. This is the third time I have received a quote that perfectly fits my requirements. Way better than high street brokers who usually take weeks to return your applications.

Colin Mortimer

Impressive Interest Rates

Rated 5 out of 5
July 7, 2019

Commercial Finance Network’s lenders’ panel gave me much better quotes than the lenders I usually work with. It makes a huge difference in the long run for my business. Easy to understand, smooth process.

Sonya Dyson

Top class

Rated 5 out of 5
June 9, 2019

If you are looking for a mortgage broker & advisor, Commercial Finance Network is definitely the place! They are amazing and the whole process is quick and stress free.

Melissa Evans

Absolutely top service

Rated 5 out of 5
January 5, 2019

Excellent service from start to finish. I have had over 10 years of experience with different brokers and companies and the team at Commercial Finance Network has been the best. Honest, reliable, quick and most of all always replies to emails almost straight away! I would highly recommend them to anyone.

Nick Mitchell
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