Use our HMO Mortgage Adviser Search to find a mortgage adviser with experience in Houses in Multiple Occupation and buy-to-let property finance.
If you are buying, refinancing or reviewing a property that will be let to multiple tenants, an HMO mortgage may involve more detailed lender checks than a standard buy-to-let mortgage. Connect Experts helps you search for advisers by location, language and personal preference, so you can choose who you want to contact.
Connect Experts is a mortgage adviser directory and matching platform. We do not provide mortgage advice directly. Advice is provided by the adviser or firm you choose.
For more information, read our Equity HMO Property Guide
Your home may be repossessed if you do not keep up repayments on your mortgage or any loan secured on it.
Filter advisers by language, gender and location
Why Connect?
What is this HMO adviser search for?
This page is designed for landlords, investors and property buyers who want to find a mortgage adviser with experience in HMO buy-to-let enquiries.
An HMO, or House in Multiple Occupation, is usually a property rented by at least three people who are not from one household and who share facilities such as a kitchen or bathroom. Larger HMOs, and some smaller HMOs depending on local council rules, may need a licence.
HMO mortgage cases can be more specialist because lenders may look at:
- The property type and layout
- Number of tenants or lettable rooms
- Rental income and stress testing
- HMO licence requirements
- Landlord experience
- Property management arrangements
- Personal or limited company ownership
- Existing buy-to-let portfolio background
- Deposit, valuation and lender criteria
This page helps you find an adviser. It is not a mortgage application, a lender comparison page or a mortgage recommendation.
Who may find this search useful?
This search may be helpful if you are:
- Buying an HMO property
- Remortgaging an existing HMO
- Converting a property into an HMO
- Expanding a buy-to-let portfolio
- Comparing personal and limited company ownership
- Looking for an adviser who understands landlord mortgage needs
- Searching for a local adviser for face-to-face support
- Looking for an adviser who speaks your preferred language
If your enquiry is slightly different, you may also find these pages useful:
Why adviser choice matters for HMO mortgages
HMO mortgage enquiries can involve more detailed questions than a standard buy-to-let case. The right adviser may help you understand what information lenders may ask for, how rental income could be assessed and what documents may be useful before you apply.
Some lenders may treat HMO properties differently from single-let buy-to-let properties. They may consider the number of tenants, room rental income, licence requirements, property condition, landlord experience and the wider strength of your application.
Connect Experts gives you a practical way to compare advisers before making contact. You stay in control of the choice.
Why Do We Offer Our Clients Gender Options?
We always provide our services without discrimination. However, we understand and respect that in certain situations, a client may have a valid reason for preferring a mortgage adviser of a specific gender. We aim to accommodate these preferences when possible:
Cultural or Religious Reasons: Some clients have cultural or religious beliefs that limit their interactions with individuals of a certain gender.
Personal Comfort and Trust: Discussing personal finances and private information can be sensitive. A client might be more comfortable or find it easier to trust an adviser of a certain gender, possibly due to past experiences or personal comfort levels.
Language and Communication Styles: Effective communication is key in financial advising. Some clients may feel that an adviser of a particular gender better understands their communication style or needs.
Gender-Specific Experience or Expertise: Occasionally, a client may seek an adviser of a specific gender due to the adviser’s experience or expertise in handling issues particularly relevant to that gender. For example, a female client may prefer a female adviser experienced in managing mortgage issues affecting women, such as the implications of maternity leave on mortgage applications.
