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

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

Lending criteria

Feature Check mark

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

Feature Check mark

Minimum loan £250k

Feature Check mark

Corporate borrowers must be registered in the UK or Crown dependencies

Feature Check mark

Only available to experienced HMO investors in their local area

Feature Check mark

Up to £15m borrowings per customer

Feature Check mark

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

Feature Check mark

Terms from 12 months to 25 years

Feature Check mark

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

Feature Check mark

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

Feature Check mark

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

Our funding solutions

Commercial property

Residential property

Mixed-used property

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.

Call us on:

0116 402 9194

email us at:
Find us at:

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

Already a customer?
Take a look at our existing customers FAQs or contact us:

Call us on:
email us at:

The personal information you supply to Cambridge & Counties Bank in this form will be processed in accordance with the Data Protection Act 2018 to help your enquiry. We may share this information with other departments, or law enforcement organisations to improve service delivery or for the prevention of crime and fraud where the law allows this. Further information on how we handle your personal information can be found here.

Cambridge & Counties Bank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm registration number 579415. Our authorisation can be checked at the Financial Services Register at

Cambridge & Counties Bank Ltd Registered Office: Charnwood Court, 5b New Walk, Leicester England, LE1 6TE. Registered in England and Wales No. 07972522.

VAT Registration Number GB 208354420.