Looking for HMO Mortgage in Birmingham? Then look no further.
We have whole of the market access allowing us to find our customers the best possible deal.
Birmingham's rental demand is underpinned by a large student population, a growing young-professional base drawn by HS2 and the wider regeneration push, and comparatively affordable entry prices versus London and the South East. HMO lending in Birmingham requires a lender who understands local licensing requirements and the specific demand drivers behind the city's shared housing market.
At Raise the Bridge, we specialise in HMO mortgages across Birmingham and the surrounding area, so we understand exactly what's needed to get a mortgage application for a licensed HMO property approved.
Birmingham has an Article 4 Direction affecting HMOs.
Birmingham City Council has a city-wide Article 4 Direction, in force since 8 June 2020, covering every part of the city. It means a planning application is required to convert a family house (Use Class C3) into a small HMO for 3–6 people (Use Class C4), anywhere in Birmingham — it replaced an earlier, narrower direction that covered only Selly Oak, Harborne and Edgbaston. Separately, an HMO for 7 or more people always needs planning permission, Article 4 or not.
Planning and licensing rules can change, and exact area boundaries matter — always confirm the current position for a specific property before relying on it.
Check the current position with Birmingham City Council
We offer a range of financing options tailored specifically for HMO investments, including acquisition loans and refinancing.
Our team of experienced professionals understands the nuances of the HMO market and can provide valuable insights and advice.
We know that time is of the essence when it comes to seizing investment opportunities. That's why we've streamlined our application process.
Upon approval, funds will be disbursed according to your financing requirements, allowing you to move forward with confidence.
HMO stands for House in Multiple Occupation — a property let to several tenants from more than one household who share facilities such as the kitchen or bathroom.
Lenders need more information about the property and usually require it to be fully licensed with the local council, which most standard buy-to-let lenders aren't set up to assess.
Licensing requirements vary by council and by how many people the property is let to — we can talk through what applies to your property before you apply.
You'll speak to an HMO mortgage adviser, complete a short application, and we submit it to our panel of UK lenders to find the most competitive rate for your property.
HMO mortgages arranged for investment purposes are typically unregulated. Raise Commercial Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated commercial and investment property finance only.
