91看片

Skip to content


Unlock potential: Tailored loans for HMOs & MUFBs

We provide specialised solutions for Houses in Multiple Occupation (HMOs) & Multi-Unit Freehold Blocks (MUFBs), offering flexible lending with no limit on number of bedrooms or units. Helping investors maximise rental income and efficiently grow diverse property portfolios.

speak with a specialist

Specialist lending for HMOs & MUFBs

As a trusted HMO & MUFB lending specialist we understand the unique challenges these property types present. Our flexible criteria allow financing for HMOs with multiple tenants and MUFBs with various unit configurations. We offer competitive loan-to-value ratios and accept a range of ownership structures, including limited companies and trusts. 

Our expert underwriting team is experienced in assessing rental income from multiple tenants, ensuring accurate affordability evaluations. Whether purchasing or refinancing, we provide tailored repayment options and swift decisions. By choosing us, investors gain a reliable partner to maximise returns and manage complex property portfolios confidently.

Key lending criteria

  • No maximum number of bedrooms or units
  • Loans available from 拢1m to 拢20m
  • Maximum LTV up to 75%, depending on property type
  • Acceptable property types include traditional HMOs, MUFBs with self-contained units, and mixed-use buildings
  • Lending available to individuals, limited companies, and trusts
  • Rental income from multiple tenants fully considered for affordability assessments
  • Newly built or refurbished HMOs and MUFBs accepted, subject to valuation and condition
  • Interest-only and capital repayment options available, tailored to investor cash flow needs
make a lending enquiry

Why borrow with us?

Flexible lending for HMOs & MUBs

We accommodate complex multi-tenant properties with lending tailored to unique investment needs

Rental income considered from multiple tenants

Affordability based on combined rental streams, ensuring accurate assessments for multi-unit investments

Support for various ownership structures

Lending available to individuals, limited companies, and trusts, offering investor flexibility

Competitive loan-to-value ratios

Up to 75% LTV provided, maximising borrowing power for HMO and MUFB investors


Additional highlights

Specialist buy to let HMO & MUB expertise

We understand complex multi-tenant lending, ensuring accurate, efficient decisions for your clients鈥� investments

Flexible lending criteria

Adaptable requirements accommodate varied property layouts, ownership structures, and investment strategies

Multiple rental incomes considered

Affordability assessed using combined rents from multiple tenants, maximising clients鈥� borrowing potential

High loan-to-value options

Up to 75% LTV available, enhancing purchasing power for HMO and MUFB investors

Ownership structure flexibility

We lend to individuals, limited companies, LLPs, and trusts for versatile client solutions

Support for new conversions

Finance newly converted or refurbished HMOs and MUFBs, subject to valuation and licensing

Dedicated underwriting team

Specialist underwriters handle complex cases quickly, reducing delays for your clients

Strong market knowledge

We understand demand in urban and student sectors, helping you place cases with confidence


HMOs and MUFBs offer strong demand and higher yields, but require specialist lending support. With our tailored solutions, expert underwriting, and flexible criteria, you can help your clients scale confidently, manage risk, and maximise long-term returns.

enquire now

Why portfolio landlords are investing in HMOs & MUFBs

HMOs and MUFBs offer portfolio landlords diversified income streams and attractive long-term returns. These property types typically deliver higher rental yields than standard buy-to-let homes, experience reduced void periods thanks to multiple tenants ensuring steady cash flow, and benefit from strong demand in key urban and student markets.

Additionally, these assets support efficient portfolio scalability, enabling landlords to grow their wealth more effectively over time.

HMOs & MUFBs frequently asked questions

A House in Multiple Occupation (HMO) is a property rented by at least three tenants from different households who share facilities such as kitchens or bathrooms.

We lend to a variety of structures including individuals, limited companies, and trusts subject to due diligence requirements.

Yes. We finance newly converted or refurbished HMOs and MUFBs, subject to valuation and licensing compliance.

While experience helps, it isn鈥檛 always mandatory. 91看片 will consider first-time HMO or MUFB investors (subject to a maximum of 6 bedrooms or units) if the project is strong and a clear management plan is in place.

We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽