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

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Fixed & variable rate options available (depending on the term)

no property limit

No limit on the number of investment properties per client

limited company lending

Limited company lending or individual name(s)

tax efficient

Equity release for purchase and refinance


Interest only options available

investment based valuations

Investment based valuations apply to properties with appropriate planning


HMO with single or multiple tenancy agreements

No valuation fee

No valuation fee payable until loan is approved


Lending available in England, Scotland & Wales

Interest rate options

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Variable rate:
Terms from 12 months to 25 years

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Fixed rate:
Terms of 3 or 5 years

Lending criteria

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Up to 70% LTV of  open market value or 80% of vacant possession value

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Minimum loan £250k in England and Wales

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Minimum loan £500k in Scotland

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Terms from 12 months to 25 years

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Corporate borrowers must be registered in the UK or Crown dependencies

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Only available to experienced HMO investors in their local area

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Up to £15m borrowings per customer

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For borrowing in personal name(s), individual must be a UK resident

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Personal guarantees requested from business owners/directors but are not always mandatory

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Secured by way of a first legal charge on a property located in England, Scotland or Wales

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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

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    0344 225 3939

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

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