🏠 HMO Financing in Bromley

🤝 Helping Landlords Secure HMO Mortgages with Clarity

Thinking of buying or converting a property into an HMO in Bromley? Whether you’re targeting student lets near Bromley South or professional multi-sharer rentals, we simplify the process and introduce you to FCA-authorised advisers with relevant HMO experience.

🔑 What We Support You With

• 🏘️ Purchasing or refinancing Houses in Multiple Occupation

• 🏢 Both personal name and SPV (limited company) mortgage structures

• 🏗️ Multi-unit blocks and semi-commercial financing where required

• 📜 Advice on licensing, planning, and compliance considerations

📊 Experience Requirements

While many lenders prefer at least 12 months of landlord experience, some products allow first-time HMO investors — particularly in Bromley’s strong rental market. We’ll help you understand what’s achievable.

❓ HMO Financing FAQs

💰 What deposit is typically needed?
HMO lending often requires 25–40% deposit depending on location, number of bedrooms, and property type.

🏦 Can I use a limited company?
Yes — SPV financing is common for tax efficiency. We’ll connect you with advisers who understand this structure.

📑 What if the property isn’t licensed yet?
Some lenders accept schemes based on expected licensing. We’ll guide you on how to present the case properly.

🚀 Next Steps

Planning an HMO in Bromley? Tell us about the property type and location, and we’ll outline suitable target lenders and connect you with an FCA-authorised adviser experienced in HMO cases.

⚠️ Important: We do not provide regulated mortgage advice. We act as an introducer and may receive a fee for successful introductions. Buy-to-let or HMO mortgages are not usually regulated by the FCA.