Our Best 60% HMO buy to let mortgage tables are updated daily for the most up to date buy to let mortgage rates available in the UK. The buy to let mortgages below are the lowest 60% LTV HMO mortgage rates on the market with early redemption penalties. If you have any questions about the HMO buy to let mortgage & remortgage schemes below contact us with any queries.
Current 60% LTV HMO mortgage rates based on a property value of £200,000 and a mortgage of £120,000 . This represents a 60% LTV interest-only HMO mortgage.
Showing 10 out of 571 matching 60% LTV HMO mortgage rates, correct as of 18/09/2026.
| Lender | Initial Rate | Mortgage Type | Initial Period | Max LTV | Product Fee | APRC | More Information |
|---|---|---|---|---|---|---|---|
| Zephyr Homeloans | 3.34% | Fixed | 2 years | 65% | 7% | 9% | See more information |
| The Mortgage Works | 3.49% | Fixed | 1 year | 75% | 2% | 8.4% | See more information |
| Paragon Banking Group PLC | 3.55% | Fixed | 2 years | 75% | 5% | 7.4% | See more information |
| Zephyr Homeloans | 3.59% | Fixed | 2 years | 65% | 7% | 9.1% | See more information |
| CHL Mortgages | 3.7% | Fixed | 2 years | 75% | 7% | 9% | See more information |
| BM Solutions | 3.74% | Fixed | 2 years | 65% | 3% | 7.7% | See more information |
| The Mortgage Works | 3.79% | Fixed | 2 years | 65% | 3% | 7.6% | See more information |
| CHL Mortgages | 3.84% | Fixed | 2 years | 65% | 7% | 9% | See more information |
| BM Solutions | 3.84% | Fixed | 2 years | 65% | 3% | 7.7% | See more information |
| CHL Mortgages | 3.94% | Fixed | 2 years | 65% | 7% | 9% | See more information |
For the first 2 years the HMO mortgage rate at 60% LTV is 3.34% giving you a monthly payment of £334.00 .
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 £890.00 .
The maximum Loan to Value (LTV) is 65% for this HMO mortgage. The comparison LTV is 60% based on a £120,000 mortgage on a £200,000 property.
The true cost of this 60% LTV HMO mortgage over the initial period is £16,981.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | 7.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £8,400.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £8,400.00 |
| Telegraphic Transfer Fee | £30.00 |
| Valuation Fee | £480.00 |
| Total Fees | £8,965.00 |
| Early Repayment Charge | 2 years |
Initial Monthly Payment
£334.00
Ongoing Monthly Payment
£890.00
True Cost Over Initial Period
£16,981.00
Total Amount Repayable
£262,621.00
Lender: Zephyr Homeloans
Mortgage type: HMO Buy to Let
Rate type: Fixed
Initial rate: 3.34%
Initial rate period: 2 years
Initial monthly payment: £334.00
Monthly payment after initial period: £890.00
Standard Variable Rate: 8.9%
Maximum LTV: 65%
Product fee: 7.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £8,400.00.
Arrangement fee: £8,400.00
Booking fee: £0.00
Telegraphic transfer fee: £30.00
Valuation fee: £480.00
Total fees: £8,965.00
APR: 9%
Early repayment charge: 2 years
True cost over initial period: £16,981.00
True cost over full mortgage term: £262,621.00
For the first 1 year the HMO mortgage rate at 60% LTV is 3.49% giving you a monthly payment of £349.00 .
After your fixed rate ends, you will move to the The Mortgage Works standard variable rate which is currently 8.24% . This would give you a monthly repayment of £824.00 .
The maximum Loan to Value (LTV) is 75% for this HMO mortgage. The comparison LTV is 60% based on a £120,000 mortgage on a £200,000 property.
The true cost of this 60% LTV HMO mortgage over the initial period is £7,581.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | 2.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £2,400.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £2,400.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | £280.00 |
| Total Fees | £2,695.00 |
| Early Repayment Charge | 30-Nov-2027 |
Initial Monthly Payment
£349.00
Ongoing Monthly Payment
£824.00
True Cost Over Initial Period
£7,581.00
Total Amount Repayable
£243,245.00
Lender: The Mortgage Works
Mortgage type: HMO Buy to Let
Rate type: Fixed
Initial rate: 3.49%
Initial rate period: 1 year
Initial monthly payment: £349.00
Monthly payment after initial period: £824.00
Standard Variable Rate: 8.24%
Maximum LTV: 75%
Product fee: 2.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £2,400.00.
Arrangement fee: £2,400.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: £280.00
Total fees: £2,695.00
APR: 8.4%
Early repayment charge: 30-Nov-2027
True cost over initial period: £7,581.00
True cost over full mortgage term: £243,245.00
For the first 2 years the HMO mortgage rate at 60% LTV is 3.55% giving you a monthly payment of £355.00 .
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 £735.00 .
The maximum Loan to Value (LTV) is 75% for this HMO mortgage. The comparison LTV is 60% based on a £120,000 mortgage on a £200,000 property.
The true cost of this 60% LTV HMO mortgage over the initial period is £14,584.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | 5.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £6,000.00. |
|---|---|
| Booking Fee | £299.00 |
| Arrangement Fee | £6,000.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £6,564.00 |
| Early Repayment Charge | 2 years |
Initial Monthly Payment
£355.00
Ongoing Monthly Payment
£735.00
True Cost Over Initial Period
£14,584.00
Total Amount Repayable
£217,444.00
Cash Back
£500.00
Lender: Paragon Banking Group PLC
Mortgage type: HMO Buy to Let
Rate type: Fixed
Initial rate: 3.55%
Initial rate period: 2 years
Initial monthly payment: £355.00
Monthly payment after initial period: £735.00
Standard Variable Rate: 7.35%
Maximum LTV: 75%
Product fee: 5.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £6,000.00.
Arrangement fee: £6,000.00
Booking fee: £299.00
Telegraphic transfer fee: £25.00
Valuation fee: Free valuation
Total fees: £6,564.00
APR: 7.4%
Cashback: £500.00
Early repayment charge: 2 years
True cost over initial period: £14,584.00
True cost over full mortgage term: £217,444.00
For the first 2 years the HMO mortgage rate at 60% LTV is 3.59% giving you a monthly payment of £359.00 .
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 £890.00 .
The maximum Loan to Value (LTV) is 65% for this HMO mortgage. The comparison LTV is 60% based on a £120,000 mortgage on a £200,000 property.
The true cost of this 60% LTV HMO mortgage over the initial period is £18,601.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | 7.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £8,400.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £8,400.00 |
| Telegraphic Transfer Fee | £30.00 |
| Valuation Fee | £1,500.00 |
| Total Fees | £9,985.00 |
| Early Repayment Charge | 2 years |
Initial Monthly Payment
£359.00
Ongoing Monthly Payment
£890.00
True Cost Over Initial Period
£18,601.00
Total Amount Repayable
£264,241.00
Lender: Zephyr Homeloans
Mortgage type: HMO Buy to Let
Rate type: Fixed
Initial rate: 3.59%
Initial rate period: 2 years
Initial monthly payment: £359.00
Monthly payment after initial period: £890.00
Standard Variable Rate: 8.9%
Maximum LTV: 65%
Product fee: 7.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £8,400.00.
Arrangement fee: £8,400.00
Booking fee: £0.00
Telegraphic transfer fee: £30.00
Valuation fee: £1,500.00
Total fees: £9,985.00
APR: 9.1%
Early repayment charge: 2 years
True cost over initial period: £18,601.00
True cost over full mortgage term: £264,241.00
For the first 2 years the HMO mortgage rate at 60% LTV is 3.7% giving you a monthly payment of £370.00 .
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 £874.00 .
The maximum Loan to Value (LTV) is 75% for this HMO mortgage. The comparison LTV is 60% based on a £120,000 mortgage on a £200,000 property.
The true cost of this 60% LTV HMO mortgage over the initial period is £18,105.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | 7.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £8,400.00. |
|---|---|
| Booking Fee | £150.00 |
| Arrangement Fee | £8,400.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £465.00 |
| Total Fees | £9,225.00 |
| Early Repayment Charge | 2 years |
Initial Monthly Payment
£370.00
Ongoing Monthly Payment
£874.00
True Cost Over Initial Period
£18,105.00
Total Amount Repayable
£259,329.00
Lender: CHL Mortgages
Mortgage type: HMO Buy to Let
Rate type: Fixed
Initial rate: 3.7%
Initial rate period: 2 years
Initial monthly payment: £370.00
Monthly payment after initial period: £874.00
Standard Variable Rate: 8.74%
Maximum LTV: 75%
Product fee: 7.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £8,400.00.
Arrangement fee: £8,400.00
Booking fee: £150.00
Telegraphic transfer fee: £25.00
Valuation fee: £465.00
Total fees: £9,225.00
APR: 9%
Early repayment charge: 2 years
True cost over initial period: £18,105.00
True cost over full mortgage term: £259,329.00
For the first 2 years the HMO mortgage rate at 60% LTV is 3.74% giving you a monthly payment of £374.00 .
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 £809.00 .
The maximum Loan to Value (LTV) is 65% for this HMO mortgage. The comparison LTV is 60% based on a £120,000 mortgage on a £200,000 property.
The true cost of this 60% LTV HMO mortgage over the initial period is £13,798.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | 3.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £3,600.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £3,600.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £3,700.00 |
| Early Repayment Charge | 31-Dec-2028 |
Initial Monthly Payment
£374.00
Ongoing Monthly Payment
£809.00
True Cost Over Initial Period
£13,798.00
Total Amount Repayable
£234,655.00
Lender: BM Solutions
Mortgage type: HMO Buy to Let
Rate type: Fixed
Initial rate: 3.74%
Initial rate period: 2 years
Initial monthly payment: £374.00
Monthly payment after initial period: £809.00
Standard Variable Rate: 8.09%
Maximum LTV: 65%
Product fee: 3.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £3,600.00.
Arrangement fee: £3,600.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £3,700.00
APR: 7.7%
Early repayment charge: 31-Dec-2028
True cost over initial period: £13,798.00
True cost over full mortgage term: £234,655.00
For the first 2 years the HMO mortgage rate at 60% LTV is 3.79% giving you a monthly payment of £379.00 .
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 £774.00 .
The maximum Loan to Value (LTV) is 65% for this HMO mortgage. The comparison LTV is 60% based on a £120,000 mortgage on a £200,000 property.
The true cost of this 60% LTV HMO mortgage over the initial period is £13,749.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | 3.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £3,600.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £3,600.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | £280.00 |
| Total Fees | £3,895.00 |
| Early Repayment Charge | 30-Nov-2028 |
Initial Monthly Payment
£379.00
Ongoing Monthly Payment
£774.00
True Cost Over Initial Period
£13,749.00
Total Amount Repayable
£225,825.00
Lender: The Mortgage Works
Mortgage type: HMO Buy to Let
Rate type: Fixed
Initial rate: 3.79%
Initial rate period: 2 years
Initial monthly payment: £379.00
Monthly payment after initial period: £774.00
Standard Variable Rate: 7.74%
Maximum LTV: 65%
Product fee: 3.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £3,600.00.
Arrangement fee: £3,600.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: £280.00
Total fees: £3,895.00
APR: 7.6%
Early repayment charge: 30-Nov-2028
True cost over initial period: £13,749.00
True cost over full mortgage term: £225,825.00
For the first 2 years the HMO mortgage rate at 60% LTV is 3.84% giving you a monthly payment of £384.00 .
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 £874.00 .
The maximum Loan to Value (LTV) is 65% for this HMO mortgage. The comparison LTV is 60% based on a £120,000 mortgage on a £200,000 property.
The true cost of this 60% LTV HMO mortgage over the initial period is £18,441.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | 7.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £8,400.00. |
|---|---|
| Booking Fee | £150.00 |
| Arrangement Fee | £8,400.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £465.00 |
| Total Fees | £9,225.00 |
| Early Repayment Charge | 2 years |
Initial Monthly Payment
£384.00
Ongoing Monthly Payment
£874.00
True Cost Over Initial Period
£18,441.00
Total Amount Repayable
£259,665.00
Lender: CHL Mortgages
Mortgage type: HMO Buy to Let
Rate type: Fixed
Initial rate: 3.84%
Initial rate period: 2 years
Initial monthly payment: £384.00
Monthly payment after initial period: £874.00
Standard Variable Rate: 8.74%
Maximum LTV: 65%
Product fee: 7.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £8,400.00.
Arrangement fee: £8,400.00
Booking fee: £150.00
Telegraphic transfer fee: £25.00
Valuation fee: £465.00
Total fees: £9,225.00
APR: 9%
Early repayment charge: 2 years
True cost over initial period: £18,441.00
True cost over full mortgage term: £259,665.00
For the first 2 years the HMO mortgage rate at 60% LTV is 3.84% giving you a monthly payment of £384.00 .
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 £809.00 .
The maximum Loan to Value (LTV) is 65% for this HMO mortgage. The comparison LTV is 60% based on a £120,000 mortgage on a £200,000 property.
The true cost of this 60% LTV HMO mortgage over the initial period is £14,068.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | 3.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £3,600.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £3,600.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £3,700.00 |
| Early Repayment Charge | 31-Dec-2028 |
Initial Monthly Payment
£384.00
Ongoing Monthly Payment
£809.00
True Cost Over Initial Period
£14,068.00
Total Amount Repayable
£234,925.00
Lender: BM Solutions
Mortgage type: HMO Buy to Let
Rate type: Fixed
Initial rate: 3.84%
Initial rate period: 2 years
Initial monthly payment: £384.00
Monthly payment after initial period: £809.00
Standard Variable Rate: 8.09%
Maximum LTV: 65%
Product fee: 3.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £3,600.00.
Arrangement fee: £3,600.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £3,700.00
APR: 7.7%
Early repayment charge: 31-Dec-2028
True cost over initial period: £14,068.00
True cost over full mortgage term: £234,925.00
For the first 2 years the HMO mortgage rate at 60% LTV is 3.94% giving you a monthly payment of £394.00 .
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 £874.00 .
The maximum Loan to Value (LTV) is 65% for this HMO mortgage. The comparison LTV is 60% based on a £120,000 mortgage on a £200,000 property.
The true cost of this 60% LTV HMO mortgage over the initial period is £18,681.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | 7.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £8,400.00. |
|---|---|
| Booking Fee | £150.00 |
| Arrangement Fee | £8,400.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £465.00 |
| Total Fees | £9,225.00 |
| Early Repayment Charge | 2 years |
Initial Monthly Payment
£394.00
Ongoing Monthly Payment
£874.00
True Cost Over Initial Period
£18,681.00
Total Amount Repayable
£259,905.00
Lender: CHL Mortgages
Mortgage type: HMO Buy to Let
Rate type: Fixed
Initial rate: 3.94%
Initial rate period: 2 years
Initial monthly payment: £394.00
Monthly payment after initial period: £874.00
Standard Variable Rate: 8.74%
Maximum LTV: 65%
Product fee: 7.00% of the mortgage amount. Based on a mortgage of £120,000.00, this is £8,400.00.
Arrangement fee: £8,400.00
Booking fee: £150.00
Telegraphic transfer fee: £25.00
Valuation fee: £465.00
Total fees: £9,225.00
APR: 9%
Early repayment charge: 2 years
True cost over initial period: £18,681.00
True cost over full mortgage term: £259,905.00
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.
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority
If you would like advice on HMO buy-to-let mortgages and remortgage schemes, compare the fixed-rate options available, then complete our mortgage inquiry form. We will contact you to discuss your buy-to-let mortgage requirements in more detail.
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.
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.
