85% Buy to Let Mortgage Tables for a Let HMO

Our Best 85% 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 85% 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.

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 £170,000 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 85% LTV HMO mortgage options alongside fixed periods, other LTV choices 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

85% LTV HMO Mortgage FAQ

Can I get an HMO mortgage at 85% LTV?

High-LTV HMO borrowing is more restricted and depends on current lender products, the property and applicant criteria. A product may not always be available.

What deposit does 85% LTV mean?

An 85% LTV mortgage would mean a 15% deposit or equity contribution, subject to the lender accepting the valuation and application.

What should I compare for a high-LTV HMO mortgage?

Check the maximum permitted LTV, lender fees, rental stress tests, monthly payments and the total cost over the initial deal period.

Do you want No Fee BTL Mortgage Advice?

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 £499.

Mortgage Calculators/Tables

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.