Our Best HMO buy to let mortgage rates tables are updated daily for the latest HMO mortgage rates available online. The buy to let mortgages below are the lowest HMO Buy to Let mortgages in the market with early redemption penalties. If you have any questions about the buy to let mortgage & remortgage schemes below contact our advisers for no obligation guidance .
Your home may be repossessed if you do not keep up repayments on your mortgage
The APRC quoted is representative and for example purposes, it is based on a £200,000 property with a £120,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
Compare today's lowest HMO mortgage rates, then speak to one of our experienced advisors. We search a wide range of lenders and in most cases our advice is completely fee free. This is dependent on your circumstances such as complex cases or debt consolidation. Our typical fee would be £399.
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority
The above information does not contain all the details you need to choose a mortgage. Please consult a qualified advisor before undertaking any borrowing/these calculations are for illustration purposes only and may not reflect the true cost of repayment.
An HMO Buy to Let mortgage is designed for landlords purchasing a property to rent to multiple tenants, typically three or more who are not from the same households.
Some lenders offer HMO Buy to Let mortgages with a 15% deposit, equivalent to 85% loan-to-value (LTV). The maximum LTV availability depends on the lender, property type and your individual circumstances.
Based on our current mortgage rate data from 2026, HMO mortgage rates are typically around 0.3% to 1% higher than standard or small HMO buy-to-let mortgage rates, although the difference can vary between lenders and products. HMO rates can be higher because lenders may consider HMO properties more complex to assess and manage. Rates change regularly, so the difference may vary as the mortgage market changes.
Large HMO mortgages are generally more specialist than small HMO mortgages, and fewer lenders may be available as the number of bedrooms or tenants increases. The lenders currently offering some of the most competitive large HMO mortgage rates include Paragon, The Mortgage Works, BM Solutions, Aldermore, The Mortgage Lender and Kensington. However, the most competitive lender can vary depending on the mortgage market, number of bedrooms and tenants, loan-to-value (LTV), rental income, property type, landlord experience and your personal circumstances. Lender rates and criteria can change, so it is important to compare the latest available products before applying.
For mortgage lending purposes, a small HMO will typically have a maximum of five unrelated tenants, with all tenants party to the tenancy agreement. The tenants will normally share facilities such as a kitchen or bathroom. Lender criteria can vary, and planning and licensing requirements may also differ depending on the property and local authority.
The lenders currently offering some of the most competitive small HMO mortgage rates include The Mortgage Works, BM Solutions, Kensington, The Mortgage Lender, Paragon and Aldermore. However, the most competitive lender can vary depending on the mortgage market, the property, loan-to-value (LTV), rental income, landlord experience and your personal circumstances. Lender rates and criteria can also change, so it is important to compare the latest available products before applying.
