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Residential Investment

Specialist mortgages for professional landlords with Houses in Multiple Occupancy

The HMO sector continues to allow investors to maximise their investment through above average returns and as a result the sector continues to grow. We've developed our HMO products to make them straightforward and simple, which is just want you need when you're looking to maximise on great opportunities.

Lending criteria

Maximum 70% LTV of market value or 80% vacant possession value
Up to £15m borrowings per customer with no restriction on property numbers
Borrowers must be a UK entity or in personal name(s)
Available to experienced HMO investors in their local area
Terms from 12 months to 25 years
Secured by way of a first legal charge on a property located in England, Scotland or Wales
Interest only available up to 10 years
Personal guarantees requested from business owners/directors but are not always mandatory
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

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

Key Features

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

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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