Best 2 Year Fixed Rate Buy to Let Mortgage HMO
2 Year Fixed Rate HMO Buy to Let Mortgages
Our Best HMO 2 year fixed rate buy-to-let mortgage tables are updated daily to show the latest 2-year fixed-rate HMO mortgage deals currently available. Compare some of the lowest HMO mortgage 2 year fixed rates on the market, including key details such as lender fees, maximum loan-to-value (LTV) limits, and early repayment charges.
Whether you're purchasing a House in Multiple Occupation (HMO) or looking to remortgage an existing HMO property, our regularly updated mortgage comparison tables can help you find the right deal. If you have any questions about HMO buy-to-let mortgages, remortgaging, lender criteria, or affordability requirements, contact our experienced advisers for free, no-obligation advice.
Best 2 Year Fixed HMO Buy to Let Mortgage Rates
Current 2 year fixed HMO buy to let mortgage rates
based on a property value of £200,000 and a mortgage of £100,000.
Current HMO Buy to Let 2 Year Fixed Mortgage Rate
Lowest current 2 year fixed HMO Buy to Let mortgage rate: 3.70% with a 7% product fee. Rates checked 26 September 2026.
CHL Mortgages CHL 1 BTL 2 Year Fixed 7.00% Fee Small HMO (LTD CO.) Limited Edition
Mortgage Summary
For the first
2 years
the mortgage rate is
3.7%
giving you a monthly payment of
£308.33 .
After your fixed rate ends, you will move to
the CHL Mortgages standard variable rate which is currently
8.74%
.
This would give you a monthly repayment of
£728.33 .
The maximum Loan to Value (LTV) is
75%
for this mortgage.
Your LTV is
50%
based on the figures used for this comparison.
The true cost of this mortgage over the
initial period is
£15,224.92 ,
including all fees and payments.
This is a useful way to compare mortgages
of the same initial period.
Fee Breakdown
| Fee |
Amount |
|
Booking Fee
|
£150.00 |
|
Product Fee
|
£7,000.00 |
|
Telegraphic Transfer Fee
|
£25.00 |
|
Total Fees
|
£7,825.00
|
|
Early repayment charge
|
Yes |
|
Valuation Fee
|
£465.00 |
Repayments
|
Initial Monthly Payment
|
£308.33
|
|
Ongoing Monthly Payment
|
£728.33
|
|
True Cost Over Initial Period
|
£15,224.92 |
|
Total Amount Repayable
|
£216,244.00
|
More information about this mortgage
CHL Mortgages CHL 1 BTL 2 Year Fixed 7.00% Fee Small HMO (LTD CO.) Limited Edition - Mortgage Details
Lender:
CHL Mortgages
Mortgage type:
HMO Buy to Let
Mortgage class:
Fixed
Initial rate:
3.7%
Initial rate period:
2 years
Initial monthly payment:
£308.33
Monthly payment after initial period:
£728.33
Standard Variable Rate:
8.74%
Maximum LTV:
75%
Product fee:
7.00% of the mortgage amount. Based on a mortgage of £100,000.00, this is £7,000.00.
Arrangement fee:
£7,000.00
Booking fee:
£150.00
Valuation fee:
£465.00
Telegraphic transfer fee:
£25.00
Total fees:
£7,825.00
APR:
9%
Early repayment charge applies until:
2 years
True cost over initial period:
£15,224.92
Total amount repayable:
£216,244.00
Zephyr Homeloans BTL 2 Year Fixed 7% Fee HMO/MUFB EPC A-E
Mortgage Summary
For the first
2 years
the mortgage rate is
3.74%
giving you a monthly payment of
£311.67 .
After your fixed rate ends, you will move to
the Zephyr Homeloans standard variable rate which is currently
8.9%
.
This would give you a monthly repayment of
£741.67 .
The maximum Loan to Value (LTV) is
65%
for this mortgage.
Your LTV is
50%
based on the figures used for this comparison.
The true cost of this mortgage over the
initial period is
£15,045.08 ,
including all fees and payments.
This is a useful way to compare mortgages
of the same initial period.
Fee Breakdown
| Fee |
Amount |
|
Product Fee
|
£7,000.00 |
|
Telegraphic Transfer Fee
|
£30.00 |
|
Total Fees
|
£7,565.00
|
|
Early repayment charge
|
Yes |
|
Valuation Fee
|
£480.00 |
Repayments
|
Initial Monthly Payment
|
£311.67
|
|
Ongoing Monthly Payment
|
£741.67
|
|
True Cost Over Initial Period
|
£15,045.08 |
|
Total Amount Repayable
|
£219,746.00
|
More information about this mortgage
Zephyr Homeloans BTL 2 Year Fixed 7% Fee HMO/MUFB EPC A-E - Mortgage Details
Lender:
Zephyr Homeloans
Mortgage type:
HMO Buy to Let
Mortgage class:
Fixed
Initial rate:
3.74%
Initial rate period:
2 years
Initial monthly payment:
£311.67
Monthly payment after initial period:
£741.67
Standard Variable Rate:
8.9%
Maximum LTV:
65%
Product fee:
7.00% of the mortgage amount. Based on a mortgage of £100,000.00, this is £7,000.00.
Arrangement fee:
£7,000.00
Valuation fee:
£480.00
Telegraphic transfer fee:
£30.00
Total fees:
£7,565.00
APR:
9%
Early repayment charge applies until:
2 years
True cost over initial period:
£15,045.08
Total amount repayable:
£219,746.00
Paragon Banking Group PLC BTL SPV LTD Company 2 Year Fixed 5% Fee HMO / MUB £500 Cashback
Mortgage Summary
For the first
2 years
the mortgage rate is
3.75%
giving you a monthly payment of
£312.50 .
After your fixed rate ends, you will move to
the Paragon Banking Group PLC standard variable rate which is currently
7.35%
.
This would give you a monthly repayment of
£612.50 .
The maximum Loan to Value (LTV) is
75%
for this mortgage.
Your LTV is
50%
based on the figures used for this comparison.
The true cost of this mortgage over the
initial period is
£12,564.00 ,
including all fees and payments.
This is a useful way to compare mortgages
of the same initial period.
Fee Breakdown
| Fee |
Amount |
|
Booking Fee
|
£299.00 |
|
Product Fee
|
£5,000.00 |
|
Telegraphic Transfer Fee
|
£25.00 |
|
Total Fees
|
£5,564.00
|
|
Early repayment charge
|
Yes |
|
Valuation Fee
|
£0.00 |
Repayments
|
Initial Monthly Payment
|
£312.50
|
|
Ongoing Monthly Payment
|
£612.50
|
|
True Cost Over Initial Period
|
£12,564.00 |
|
Total Amount Repayable
|
£181,614.00
|
More information about this mortgage
Paragon Banking Group PLC BTL SPV LTD Company 2 Year Fixed 5% Fee HMO / MUB £500 Cashback - Mortgage Details
Lender:
Paragon Banking Group PLC
Mortgage type:
HMO Buy to Let
Mortgage class:
Fixed
Initial rate:
3.75%
Initial rate period:
2 years
Initial monthly payment:
£312.50
Monthly payment after initial period:
£612.50
Standard Variable Rate:
7.35%
Maximum LTV:
75%
Product fee:
5.00% of the mortgage amount. Based on a mortgage of £100,000.00, this is £5,000.00.
Arrangement fee:
£5,000.00
Booking fee:
£299.00
Valuation fee:
£0.00
Telegraphic transfer fee:
£25.00
Total fees:
£5,564.00
APR:
7.4%
Early repayment charge applies until:
2 years
True cost over initial period:
£12,564.00
Total amount repayable:
£181,614.00
BM Solutions Intermediary BTL A-B EPC 2 Year Fixed 3% Fee Purchase
Mortgage Summary
For the first
2 years
the mortgage rate is
3.77%
giving you a monthly payment of
£314.17 .
After your fixed rate ends, you will move to
the BM Solutions standard variable rate which is currently
8.09%
.
This would give you a monthly repayment of
£674.17 .
The maximum Loan to Value (LTV) is
75%
for this mortgage.
Your LTV is
50%
based on the figures used for this comparison.
The true cost of this mortgage over the
initial period is
£11,582.59 ,
including all fees and payments.
This is a useful way to compare mortgages
of the same initial period.
Fee Breakdown
| Fee |
Amount |
|
Product Fee
|
£3,000.00 |
|
Total Fees
|
£3,100.00
|
|
Early repayment charge
|
Yes |
|
Valuation Fee
|
£100.00 |
Repayments
|
Initial Monthly Payment
|
£314.17
|
|
Ongoing Monthly Payment
|
£674.17
|
|
True Cost Over Initial Period
|
£11,582.59 |
|
Total Amount Repayable
|
£195,631.00
|
More information about this mortgage
BM Solutions Intermediary BTL A-B EPC 2 Year Fixed 3% Fee Purchase - Mortgage Details
Lender:
BM Solutions
Mortgage type:
HMO Buy to Let
Mortgage class:
Fixed
Initial rate:
3.77%
Initial rate period:
2 years
Initial monthly payment:
£314.17
Monthly payment after initial period:
£674.17
Standard Variable Rate:
8.09%
Maximum LTV:
75%
Product fee:
3.00% of the mortgage amount. Based on a mortgage of £100,000.00, this is £3,000.00.
Arrangement fee:
£3,000.00
Valuation fee:
£100.00
Total fees:
£3,100.00
APR:
7.7%
Early repayment charge applies until:
31-Dec-2028
True cost over initial period:
£11,582.59
Total amount repayable:
£195,631.00
The Mortgage Works Intermediary BTL 2 Year Fixed 3% Fee
Mortgage Summary
For the first
2 years
the mortgage rate is
3.79%
giving you a monthly payment of
£315.83 .
After your fixed rate ends, you will move to
the The Mortgage Works standard variable rate which is currently
7.74%
.
This would give you a monthly repayment of
£645.00 .
The maximum Loan to Value (LTV) is
65%
for this mortgage.
Your LTV is
50%
based on the figures used for this comparison.
The true cost of this mortgage over the
initial period is
£11,506.58 ,
including all fees and payments.
This is a useful way to compare mortgages
of the same initial period.
Fee Breakdown
| Fee |
Amount |
|
Product Fee
|
£3,000.00 |
|
Telegraphic Transfer Fee
|
£15.00 |
|
Total Fees
|
£3,295.00
|
|
Early repayment charge
|
Yes |
|
Valuation Fee
|
£280.00 |
Repayments
|
Initial Monthly Payment
|
£315.83
|
|
Ongoing Monthly Payment
|
£645.00
|
|
True Cost Over Initial Period
|
£11,506.58 |
|
Total Amount Repayable
|
£188,236.58
|
More information about this mortgage
The Mortgage Works Intermediary BTL 2 Year Fixed 3% Fee - Mortgage Details
Lender:
The Mortgage Works
Mortgage type:
HMO Buy to Let
Mortgage class:
Fixed
Initial rate:
3.79%
Initial rate period:
2 years
Initial monthly payment:
£315.83
Monthly payment after initial period:
£645.00
Standard Variable Rate:
7.74%
Maximum LTV:
65%
Product fee:
3.00% of the mortgage amount. Based on a mortgage of £100,000.00, this is £3,000.00.
Arrangement fee:
£3,000.00
Valuation fee:
£280.00
Telegraphic transfer fee:
£15.00
Total fees:
£3,295.00
APR:
7.6%
Early repayment charge applies until:
30-Nov-2028
True cost over initial period:
£11,506.58
Total amount repayable:
£188,236.58
Rely Mortgages BTL 2 Year Fixed 5% Fee HMO/MUFB (1-6 Units) Limited Edition
Mortgage Summary
For the first
2 years
the mortgage rate is
3.81%
giving you a monthly payment of
£317.50 .
After your fixed rate ends, you will move to
the Rely Mortgages standard variable rate which is currently
6.75%
.
This would give you a monthly repayment of
£562.50 .
The maximum Loan to Value (LTV) is
65%
for this mortgage.
Your LTV is
50%
based on the figures used for this comparison.
The true cost of this mortgage over the
initial period is
£13,270.00 ,
including all fees and payments.
This is a useful way to compare mortgages
of the same initial period.
Fee Breakdown
| Fee |
Amount |
|
Booking Fee
|
£145.00 |
|
Product Fee
|
£5,000.00 |
|
Telegraphic Transfer Fee
|
£25.00 |
|
Total Fees
|
£5,650.00
|
|
Early repayment charge
|
Yes |
|
Valuation Fee
|
£455.00 |
Repayments
|
Initial Monthly Payment
|
£317.50
|
|
Ongoing Monthly Payment
|
£562.50
|
|
True Cost Over Initial Period
|
£13,270.00 |
|
Total Amount Repayable
|
£168,520.00
|
More information about this mortgage
Rely Mortgages BTL 2 Year Fixed 5% Fee HMO/MUFB (1-6 Units) Limited Edition - Mortgage Details
Lender:
Rely Mortgages
Mortgage type:
HMO Buy to Let
Mortgage class:
Fixed
Initial rate:
3.81%
Initial rate period:
2 years
Initial monthly payment:
£317.50
Monthly payment after initial period:
£562.50
Standard Variable Rate:
6.75%
Maximum LTV:
65%
Product fee:
5.00% of the mortgage amount. Based on a mortgage of £100,000.00, this is £5,000.00.
Arrangement fee:
£5,000.00
Booking fee:
£145.00
Valuation fee:
£455.00
Telegraphic transfer fee:
£25.00
Total fees:
£5,650.00
APR:
7%
Early repayment charge applies until:
2 years
True cost over initial period:
£13,270.00
Total amount repayable:
£168,520.00
Keystone BTL 2 Year Fixed 7% Fee Specialist HMO/Multi-unit SPV LTD Co's
Mortgage Summary
For the first
2 years
the mortgage rate is
3.84%
giving you a monthly payment of
£320.00 .
After your fixed rate ends, you will move to
the Keystone standard variable rate which is currently
8.74%
.
This would give you a monthly repayment of
£728.33 .
The maximum Loan to Value (LTV) is
70%
for this mortgage.
Your LTV is
50%
based on the figures used for this comparison.
The true cost of this mortgage over the
initial period is
£15,659.00 ,
including all fees and payments.
This is a useful way to compare mortgages
of the same initial period.
Fee Breakdown
| Fee |
Amount |
|
Booking Fee
|
£199.00 |
|
Product Fee
|
£7,000.00 |
|
Telegraphic Transfer Fee
|
£35.00 |
|
Total Fees
|
£7,979.00
|
|
Early repayment charge
|
Yes |
|
Valuation Fee
|
£610.00 |
Repayments
|
Initial Monthly Payment
|
£320.00
|
|
Ongoing Monthly Payment
|
£728.33
|
|
True Cost Over Initial Period
|
£15,659.00 |
|
Total Amount Repayable
|
£216,678.08
|
More information about this mortgage
Keystone BTL 2 Year Fixed 7% Fee Specialist HMO/Multi-unit SPV LTD Co's - Mortgage Details
Lender:
Keystone
Mortgage type:
HMO Buy to Let
Mortgage class:
Fixed
Initial rate:
3.84%
Initial rate period:
2 years
Initial monthly payment:
£320.00
Monthly payment after initial period:
£728.33
Standard Variable Rate:
8.74%
Maximum LTV:
70%
Product fee:
7.00% of the mortgage amount. Based on a mortgage of £100,000.00, this is £7,000.00.
Arrangement fee:
£7,000.00
Booking fee:
£199.00
Valuation fee:
£610.00
Telegraphic transfer fee:
£35.00
Total fees:
£7,979.00
APR:
9.1%
Early repayment charge applies until:
2 years
True cost over initial period:
£15,659.00
Total amount repayable:
£216,678.08
CHL Mortgages CHL 1 BTL 2 Year Fixed 7.00% Fee Small HMO (SPV LTD CO.)
Mortgage Summary
For the first
2 years
the mortgage rate is
3.84%
giving you a monthly payment of
£320.00 .
After your fixed rate ends, you will move to
the CHL Mortgages standard variable rate which is currently
8.74%
.
This would give you a monthly repayment of
£728.33 .
The maximum Loan to Value (LTV) is
65%
for this mortgage.
Your LTV is
50%
based on the figures used for this comparison.
The true cost of this mortgage over the
initial period is
£15,505.00 ,
including all fees and payments.
This is a useful way to compare mortgages
of the same initial period.
Fee Breakdown
| Fee |
Amount |
|
Booking Fee
|
£150.00 |
|
Product Fee
|
£7,000.00 |
|
Telegraphic Transfer Fee
|
£25.00 |
|
Total Fees
|
£7,825.00
|
|
Early repayment charge
|
Yes |
|
Valuation Fee
|
£465.00 |
Repayments
|
Initial Monthly Payment
|
£320.00
|
|
Ongoing Monthly Payment
|
£728.33
|
|
True Cost Over Initial Period
|
£15,505.00 |
|
Total Amount Repayable
|
£216,524.08
|
More information about this mortgage
CHL Mortgages CHL 1 BTL 2 Year Fixed 7.00% Fee Small HMO (SPV LTD CO.) - Mortgage Details
Lender:
CHL Mortgages
Mortgage type:
HMO Buy to Let
Mortgage class:
Fixed
Initial rate:
3.84%
Initial rate period:
2 years
Initial monthly payment:
£320.00
Monthly payment after initial period:
£728.33
Standard Variable Rate:
8.74%
Maximum LTV:
65%
Product fee:
7.00% of the mortgage amount. Based on a mortgage of £100,000.00, this is £7,000.00.
Arrangement fee:
£7,000.00
Booking fee:
£150.00
Valuation fee:
£465.00
Telegraphic transfer fee:
£25.00
Total fees:
£7,825.00
APR:
9%
Early repayment charge applies until:
2 years
True cost over initial period:
£15,505.00
Total amount repayable:
£216,524.08
Keystone BTL 2 Year Fixed 7% Fee Specialist HMO/Multi-unit
Mortgage Summary
For the first
2 years
the mortgage rate is
3.84%
giving you a monthly payment of
£320.00 .
After your fixed rate ends, you will move to
the Keystone standard variable rate which is currently
8.74%
.
This would give you a monthly repayment of
£728.33 .
The maximum Loan to Value (LTV) is
70%
for this mortgage.
Your LTV is
50%
based on the figures used for this comparison.
The true cost of this mortgage over the
initial period is
£15,659.00 ,
including all fees and payments.
This is a useful way to compare mortgages
of the same initial period.
Fee Breakdown
| Fee |
Amount |
|
Booking Fee
|
£199.00 |
|
Product Fee
|
£7,000.00 |
|
Telegraphic Transfer Fee
|
£35.00 |
|
Total Fees
|
£7,979.00
|
|
Early repayment charge
|
Yes |
|
Valuation Fee
|
£610.00 |
Repayments
|
Initial Monthly Payment
|
£320.00
|
|
Ongoing Monthly Payment
|
£728.33
|
|
True Cost Over Initial Period
|
£15,659.00 |
|
Total Amount Repayable
|
£216,678.08
|
More information about this mortgage
Keystone BTL 2 Year Fixed 7% Fee Specialist HMO/Multi-unit - Mortgage Details
Lender:
Keystone
Mortgage type:
HMO Buy to Let
Mortgage class:
Fixed
Initial rate:
3.84%
Initial rate period:
2 years
Initial monthly payment:
£320.00
Monthly payment after initial period:
£728.33
Standard Variable Rate:
8.74%
Maximum LTV:
70%
Product fee:
7.00% of the mortgage amount. Based on a mortgage of £100,000.00, this is £7,000.00.
Arrangement fee:
£7,000.00
Booking fee:
£199.00
Valuation fee:
£610.00
Telegraphic transfer fee:
£35.00
Total fees:
£7,979.00
APR:
9%
Early repayment charge applies until:
2 years
True cost over initial period:
£15,659.00
Total amount repayable:
£216,678.08
BM Solutions Intermediary BTL 2 Year Fixed 3% Fee Purchase
Mortgage Summary
For the first
2 years
the mortgage rate is
3.87%
giving you a monthly payment of
£322.50 .
After your fixed rate ends, you will move to
the BM Solutions standard variable rate which is currently
8.09%
.
This would give you a monthly repayment of
£674.17 .
The maximum Loan to Value (LTV) is
75%
for this mortgage.
Your LTV is
50%
based on the figures used for this comparison.
The true cost of this mortgage over the
initial period is
£11,807.50 ,
including all fees and payments.
This is a useful way to compare mortgages
of the same initial period.
Fee Breakdown
| Fee |
Amount |
|
Product Fee
|
£3,000.00 |
|
Total Fees
|
£3,100.00
|
|
Early repayment charge
|
Yes |
|
Valuation Fee
|
£100.00 |
Repayments
|
Initial Monthly Payment
|
£322.50
|
|
Ongoing Monthly Payment
|
£674.17
|
|
True Cost Over Initial Period
|
£11,807.50 |
|
Total Amount Repayable
|
£195,855.91
|
More information about this mortgage
BM Solutions Intermediary BTL 2 Year Fixed 3% Fee Purchase - Mortgage Details
Lender:
BM Solutions
Mortgage type:
HMO Buy to Let
Mortgage class:
Fixed
Initial rate:
3.87%
Initial rate period:
2 years
Initial monthly payment:
£322.50
Monthly payment after initial period:
£674.17
Standard Variable Rate:
8.09%
Maximum LTV:
75%
Product fee:
3.00% of the mortgage amount. Based on a mortgage of £100,000.00, this is £3,000.00.
Arrangement fee:
£3,000.00
Valuation fee:
£100.00
Total fees:
£3,100.00
APR:
7.7%
Early repayment charge applies until:
31-Dec-2028
True cost over initial period:
£11,807.50
Total amount repayable:
£195,855.91
HMO Buy to Let Mortgages
HMO buy to let mortgages are available for
landlords purchasing or refinancing Houses in Multiple Occupation.
Lender criteria, rates, fees
and maximum Loan to Value can vary between lenders.
2 Year Fixed HMO Mortgage Rates
2 year fixed HMO buy to let mortgage rates can
vary between lenders and products. The rate available can
depend on factors including the property, Loan to Value,
rental income, landlord experience and individual lender criteria.
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 £100,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
Buy to Let HMO Best Buys
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority
Do you want No Fee BTL Mortgage Advice?
If you would like expert advice on HMO buy-to-let mortgages or HMO remortgage products, on the available 2-year fixed-rate HMO mortgage options and then complete our simple enquiry form. One of our experienced mortgage advisers will contact you to discuss your requirements, answer any questions, and help you find the most suitable mortgage deal for your circumstances.
We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances such as complex cases or debt consolidation. Our typical fee would be £399.
Mortgage Calculators/Tables
The information provided above is for illustrative purposes only and does not contain all the details required to make an informed mortgage decision. Mortgage rates, fees, eligibility criteria, and overall borrowing costs can vary depending on your individual circumstances.
We recommend seeking advice from a qualified mortgage adviser before taking out any mortgage or remortgage. The calculations shown are estimates only and may not reflect the actual cost of borrowing or your monthly repayments.
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