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Residential Investment

Specialist mortgages for professional landlords with Houses in Multiple Occupancy

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Buy-to-Let Mortgages

Expat Buy-to-Let Mortgages

Houses of Multiple Occupancy

We’ve noticed that the HMO sector continually offers above average returns on investments. Because of this, the sector is attracting increased interest from investors. We’ve tailored our HMO mortgages to make them straightforward and simple, which is just what you need when you’re looking to maximise on the great opportunities out there.

Lending criteria

Loans from £150k to £10m
Available to experienced HMO investors in their local area
Maximum 70% market value or 80% vacant possession value based on valuation not purchase price
Terms from minimum 12 months to maximum 25 years
Interest only available up to 5 years
Personal guarantees required from business owners/directors
Secured by way of a first legal charge on a UK located property (excluding Northern Ireland)
Borrowers must be a UK registered company, Limited Liability Partnership or be using personal names
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

Key features

Interest only options available
Long term committed terms, up to 25 years
Investment based valuations apply to properties with appropriate planning
Equity release purposes allowed as well as purchase and refinance (up to 100% of costs)
No limit on the number of investment properties per client

Key Features

Interest only options available
Long term committed terms, up to 25 years
Investment based valuations apply to properties with appropriate planning
Equity release purposes allowed as well as purchase and refinance (up to 100% of costs)
No limit on the number of investment properties per client

Why choose us?

At Cambridge & Counties Bank we know that all residential property deals are different and the HMO sector comes with its own challenges. Because of this, we’ve developed a specialist loan. When this is combined with our experienced front line team and manual underwriting process we provide you with a simple and tailored solution to meet your needs.

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Company Registration No: 07972522. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No: 579415

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