HMO Mortgage & Financing Support in Bexley

🏘️ HMO Mortgage & Financing Support in Bexley

Specialist Help for Bexley Landlords Investing in HMOs

Houses in Multiple Occupation (HMOs) are a popular strategy for landlords looking to maximise rental yield — but getting the right mortgage can be more complex. We help property investors across Bexley explore HMO finance options with clarity and confidence.

Whether you’re converting a property into an HMO or refinancing an existing one, we can support you from the planning stage through to completion.

🏡 What Is an HMO?

HMOs are rental properties let to three or more tenants from different households, who share communal areas like kitchens and bathrooms. They’re common in student towns, cities, and high-demand rental zones like parts of Bexley and nearby Sidcup.

HMO rules vary depending on the number of tenants and whether the property is licensed — so it’s important to understand the requirements before applying for finance.

💷 HMO Mortgage Requirements

Lenders typically look for:

• A 25–35% deposit
• Strong rental income coverage (usually 145% at 5.5%)
• Previous landlord experience (in many cases)
• Property already licensed or eligible for a licence

We’ll help you understand what lenders require, and whether you’re best suited to personal or limited company borrowing.

🏢 Limited Company HMO Mortgages

Many Bexley landlords purchase HMOs through limited companies for tax efficiency. Specialist lenders offer HMO mortgage products for SPVs (Special Purpose Vehicles) and trading companies — though interest rates and fees may differ slightly from personal BTL deals.

🛠️ Converting a Property Into an HMO

Planning to convert a standard property into an HMO? We can help you explore financing options for both purchase and refurbishment. Some lenders offer products based on end rental potential, not just the current state of the property.

Licensing, fire safety compliance, and local council rules all come into play — we’ll guide you through what’s expected.

📍 Why Invest in Bexley?

Bexley continues to offer high rental demand, particularly around university routes and strong commuter links. Areas like Sidcup, Welling, and Barnehurst are popular with sharers and multi-let tenants. HMOs in these areas can produce higher yield — but require careful planning and management.

✅ What We Offer

We don’t offer regulated financial advice directly, but we take your HMO enquiry seriously and help you get matched with a trusted adviser. Our aim is to support landlords through the funding journey — from enquiry to offer.

📞 Ready to Discuss Your HMO Project?

Use our mortgage calculator to estimate borrowing or contact us to start your HMO mortgage enquiry in Bexley today.

💬 Frequently Asked Questions (FAQ)

What deposit do I need for an HMO mortgage?

Most lenders require a 25–35% deposit for HMO properties, depending on your experience and the type of property.

Can I get an HMO mortgage through a limited company?

Yes — many lenders offer limited company HMO mortgages for SPVs. It’s a popular route for tax efficiency.

Do I need experience as a landlord?

Most HMO lenders prefer applicants to have at least 12 months of buy-to-let experience, though some will consider first-time landlords with strong profiles.

Does the property need to be licensed?

Yes — most HMO mortgage lenders require the property to be licensed or capable of meeting licensing requirements at the time of application.