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The HMO sector continues to allow investors to maximise their investments and as a result the sector continues to grow.

We’ve developed simple and straightforward options to maximise on great opportunities.

Key features
Lending criteria
Product guide
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Key features

No limit on the number of investment properties per client

Limited company lending or individual name(s)

Equity release for purchase and refinance

Interest-only options available

Gifted deposits permitted (between family members)

Investment based valuations apply to properties with appropriate planning

HMO with single or multiple tenancy agreements

No valuation fee payable until loan is approved

Lending available in England, Scotland & Wales

Residential interest rate options

illustration of up and down graph

Variable rate:
Terms from 12 months to 30 years

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Fixed rate:
3 & 5 year fixed rates available

Commercial interest rate options

illustration of up and down graph

Variable rate:
Terms from 12 months to 25 years

illustration of graph going in straight horizontal line

Fixed rate:
3 & 5 year fixed rates available

Lending criteria

Up to 70% LTV of open market value or 80% of vacant possession value
Minimum loan £250k in England and Wales
Minimum loan £500k in Scotland
Residential properties: Terms from 12 months to 30 years.
Commercial properties: Terms from 12 months to 25 years
Corporate borrowers must be registered in the UK or Crown dependencies
Only available to experienced HMO investors in their local area
Up to £15m borrowings per customer
For borrowing in personal name(s), individual must be a UK resident
Personal guarantees requested from business owners/directors but are not always mandatory
Secured by way of a first legal charge on a property located in England, Scotland or Wales
All properties must hold planning consent for C4 HMO or Sui Generis to qualify for an investment based valuation, otherwise a single dwelling house valuation will apply
Download our product guide
English home

Get in touch with our experienced property finance team

As a specialist property funder, we pride ourselves on using our expert knowledge and depth of understanding to provide common sense loan structures.

We shape each loan to suit your individual requirements because we know that every business has different needs.

Meet the team
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Our funding solutions

Commercial property

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Residential property

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Mixed-used property

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Haven’t quite found what you’re looking for?

Get in touch with our experienced team or take a look at our Useful documents and FAQs page.

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    For general enquiries please contact:

    Call us on:

    0344 225 3939

    email us at:

    Fax us on:

    0116 254 4637

    Find us at:

    Cambridge & Counties Bank
    Charnwood Court
    5B New Walk
    Leicester LE1 6TE

    Existing customers please contact:

    Call us on:

    0344 225 3800

    email us at:

    [email protected]

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