🏘️ HMO Mortgages & HMO Finance in Brentwood

📍 With strong commuter demand via Brentwood & Shenfield (Elizabeth line) and established neighbourhoods in Hutton, Pilgrims Hatch, Ingatestone and Warley, HMOs can work well across the area. We help arrange HMO mortgages for new purchases, refinance and post-conversion exits — matched to your tenant strategy and long-term plan.

🤝 Why landlords choose us

• 🏠 Local context: Professional sharer demand around the stations and main employment hubs.
• 💼 Specialist lending: Options for SPV ownership, larger HMOs and MUFBs.
• 📑 Robust submissions: Floorplans, licence evidence, room sizes, rental comps and ICR calcs packaged clearly.
• 💬 Straightforward comms: No jargon — just what’s needed and when.

📋 What lenders assess

• 📜 Licensing/planning: Mandatory/additional licensing and any Article 4 limitations checked early.
• 🚒 Safety & layout: Fire protection, protected routes, kitchen/bathroom ratios, and compliant room sizes.
• 🏦 Valuation basis: Bricks & mortar for smaller HMOs; yield-based valuations are common for larger assets.
• 🧠 Experience: First-time HMO accepted by some — more choice with experience/professional management.
• 🏗️ Structure: Personal vs SPV with director guarantees and company documentation.

💰 LTV & affordability

• 📉 LTV: Typically up to 75% (some to 80%).
• 📈 ICR: 125–170% at a stress rate; 5-year fixes often improve maximum borrowing.

🗝️ From AIP to keys

1. 🎯 Strategy: Tenant type, room count, refurb scope and target completion.
2. 📂 AIP & evidence: Licence status, floorplans, room schedule, rent comps and portfolio spreadsheet.
3. 🧾 Valuation & UW: Surveyor confirms compliance/rents; we manage queries promptly.
4. ⚖️ Offer & legals: HMO conditions and any SPV PGs handled by specialist solicitors.
5. ✅ Completion: Drawdown and diarised review ahead of product end.

❓ HMO Finance FAQs (Brentwood)

💷 How much deposit do I need?

🏦 Most HMO lenders cap at 75% LTV; higher LTVs exist but with tighter criteria/pricing.

📊 Will a 5-year fix improve affordability?

✅ Often yes — it can reduce the stress rate used in ICR tests, increasing the loan.

🏢 Is SPV ownership required?

💼 Not always, but many landlords use SPVs for scalability/tax planning; lenders usually want director guarantees.

🏠 Can I finance a 7+ bedroom HMO?

🔑 Yes — you’ll be in “large HMO” territory, so expect specialist lenders, yield valuations and stricter conditions.