Buy to let and HMO loans

With experience in high value cases and complex ownership structures, we can help with more than just your standard buy to let.

For larger HMOs with 7-20 bedrooms or MUFBs with 7-20 units, up to 70% LTV is available on loans up to £1.5m, for both purchases and remortgages.

For properties with up to six bedrooms, LTVs are available up to 75%.

Offering interest-only options, our criteria can support both converted and purpose-built HMOs – with investment value being considered.

We also could help with large portfolio* cases where properties are on either a single freehold or in multiple locations.


New enhanced offering for 7 – 20 bedroom/units

Product LTV Rate Fee
Two-year fixed 70% 4.24% 2.00%
Five-year fixed 70% 4.44% 2.00%

6 rooms or fewer

Product LTV Rate Fee
Two-year fixed 75% 4.24% 2.00%
Five-year fixed 75% 4.44% 2.00%

The Bank of England Base Rate is currently 0.10% and is subject to a minimum floor of 0.75%

Fixed rates include Bank of England Base Rate and an applicable margin

If you have an existing application

If you currently have a case in progress where the valuation fees have been paid, the case fits our new criteria, and you wish to take advantage of the new products, please contact us to change the product.

Please speak to your BDM for more information.

*You must register on our Buy to Let Hub if you wish to submit portfolio cases.