As the market for HMOs grows, so does the specialist mortgage broker market.
Buy-to-let mortgage lenders:
The standard mortgage lenders are stricter regarding HMO capacity but offer the cheapest rates. Nevertheless, their main speciality is buy-to-let property.
Specialist HMO mortgage lenders
You may find specialist HMO mortgage lenders within buy-to-let mortgage companies. They’re more versatile with their requirements, but you may have to pay more for their service.