Mortgage Service
Limited Company Buy to let
How does limited company Buy-to-Let mortgage work?

House in multiple occupation (HMO's)
HMO’s refers to residential properties where ‘common areas’ exist and are shared by more than one household. At least 3 tenants live there, forming more than 1 household. you share toilet, bathroom or kitchen facilities with other tenants. One of the biggest reasons HMOs remain an attractive investment option is the high rental return on investment (ROI) they offer. Unlike a standard single-let property, HMO mortgages are offered through specialist lenders and are usually taken on an interest only basis and may be subject to a minimum HMO property value, early repayment charges and other product arrangement fees. Buy-to-let mortgages for HMO properties are simply referred to as HMO mortgages.
Assess Your Finances
Start by reviewing your savings and determining how much you can afford for a deposit and other costs like stamp duty, legal fees, and insurance. Create a budget to ensure you’re financially ready for the purchase.
Get Mortgage Pre-Approval
Secure a mortgage pre-approval to understand your borrowing capacity and show sellers you’re serious. This step helps you confidently search within your budget.

Research Government Schemes
Take advantage of first-time buyer schemes like Help to Buy or Shared Ownership, which can reduce your initial costs and make homeownership more accessible.
Choose the Right Property
Look for a property that suits your lifestyle, considering factors such as location, space, and future growth potential. This will ensure a sound investment for the long term.


Hire Professionals
Work with a solicitor and surveyor to guide you through the legal process, handle paperwork, and inspect the property for any potential issues.
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