5 Year Fixed Rate HMO Buy to Let Mortgages

Our Best HMO 5 year fixed rate buy-to-let mortgage tables are updated daily to show the latest 5-year fixed-rate HMO mortgage deals currently available. Compare some of the lowest HMO mortgage 5 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 no fee, no-obligation advice.

Mortgage comparison rates are temporarily unavailable. Please use our mortgage comparison service to check available products.

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.

Explore HMO mortgage rates and criteria

Compare 5-year fixed HMO mortgage rates alongside other fixed periods, LTV options and specialist HMO lending criteria. Different lenders assess shared properties in different ways. Compare our 2-year fixed HMO mortgage rates and 5-year fixed HMO mortgage rates, or choose an LTV below. If you are unsure whether your property needs specialist lending, our small HMO mortgage guide explains when standard buy-to-let may be possible, while our large HMO mortgage guide covers more complex properties.

Compare by mortgage type or LTV

2-year fixed HMO ratesCompare two-year fixed HMO mortgages 5-year fixed HMO ratesExplore five-year fixed HMO deals 60% LTV HMO ratesCompare mortgages with a 40% deposit 75% LTV HMO ratesExplore options with a 25% deposit 85% LTV HMO ratesCompare mortgages with a 15% deposit HMO tracker ratesExplore variable tracker-rate options

Understand HMO mortgage criteria

Start with our HMO buy-to-let mortgages explained overview, then explore how the number of tenants, property layout and lender rules affect small HMO mortgages and large HMO mortgages.

HMO mortgages explainedUnderstand HMO borrowing and requirements Small HMO mortgagesRules for smaller shared properties Large HMO mortgagesCriteria for larger, specialist HMOs Small vs large HMO mortgagesCompare lending criteria, rental assessments and valuations

Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority

5 Year Fixed HMO Mortgage FAQ

What is a 5 year fixed HMO mortgage?

A 5-year fixed HMO buy-to-let mortgage fixes the initial interest rate for an agreed period, usually 5 years. Check the product's exact fixed-rate end date, fees and early repayment charges before applying.

Can I remortgage an HMO onto a 5 year fixed rate?

HMO remortgage options depend on the lender's property and landlord criteria, the rental income and your loan-to-value ratio. Compare available deals and any costs of leaving your current mortgage.

How do I compare 5 year fixed HMO mortgage deals?

Compare the initial rate alongside product fees, monthly payments, maximum LTV, early repayment charges and the total cost over the initial fixed period. The lowest headline rate is not always the lowest-cost option.

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 5-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.