HMO Lending Just Got More Flexible Some big positive changes just landed for landlords and investors working with HMOs: ✅ Max LTV increased to 75% (was 65%) for HMOs up to 6 beds — based on market value or vacant possession, whichever is lower ✅ New 5-year fixed at 5.45% (was 5.65%) up to 75% LTV ✅ For HMOs 7+ bedrooms: up to 70% LTV, with a 5-year fixed at 5.65% ✅ Max loan per property now £3M (was £1.5M), with HMO sizes up to 20 beds (was 12) ✅ Max total exposure on HMOs now £10M (was £5M) — subject to experience If you're working on an HMO purchase, refinance or planning something new, feel free to drop me a message — happy to run the numbers or talk through the detail. 📧 akash.narula@watts-commercial.co.uk 📞 07719 919242

Posted by Akash Narula at 2025-06-12 07:16:23 UTC