HMO ReMortgages

If you’re looking to get an HMO ReMortgage, there are many options and factors to consider. Whether it be value, rate, LTV or speed, or a balance of all of the above, it’s important to understand what’s important to the client on each HMO ReMortgage case. What’s is also important to understand is the client scenario.

Whether they are an experienced or first-time landlord, and whether they have an income of less or more than £25,000, for which different lenders will suit different scenarios.

Top 10 Best HMO ReMortgage Rates

Understanding the current availability of HMO ReMortgage products and how they fit in with the objective is important. This website enables you to successfully navigate the vast array of available HMO ReMortgage products and then successfully help you select the correct one for your particular circumstances.

To smooth the process, and allow your broker to approach multiple lenders, fight your corner and get you the best possible product and terms, it’s best to have all paperwork in order.  This includes; HMO Licence Certificate, HMO Planning Certificate, Building Regs Certificate, Floor Plan, Copies of ASTs, Copy of Last Tax Return or Payslips.

Once you have selected the HMO Lender and instructed the survey its import to present the HMO property in the best possible light in order to maximise the valuation for the HMO ReMortgage.  This shows the surveyor the property is a fantastic, functioning, money-making HMO property.

Things to beforehand include Letting the tenants know a survey is happening, and that you would appreciate their rooms being tidy. Minor Redecoration especially in common areas. Tidy external areas, remove rubbish etc.

On the day of the valuation make sure you arrive at the property early and do any final tidying. Make sure all rooms are unlocked and accessible. Meet the surveyor with a smile and relax.  That’s it. Within a few days, the HMO valuation will come back and allow for the smooth progression of loan drawdown.

Latest News and Updates

All the latest breaking news on Mortgages. Browse The Coco complete collection of articles on Mortgages.


Shawbrook extends lending remit with desktop valuations

Shawbrook is adding desktop valuations to its underwriting process...

HMO Mortgage Product With Guaranteed Buy-To-Let Exit Launched By Precise Mortgages

Product With Guaranteed Buy-To-Let Exit Launched By Precise Mortgages

Precise Mortgages has brought to market a refurbishment bridging loan...

Precise Mortgages Prolongs Top Slicing Across HMO and Buy-To-Let Mortgage Range

Precise Mortgages Prolongs Top Slicing Across Buy-To-Let Range

Precise now accepts top slicing on all eligible personal ownership,...

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