Looking for HMO Mortgage in Bristol? Then look no further.
We have whole of the market access allowing us to find our customers the best possible deal.
Bristol's tight housing supply against strong employment growth in its creative and tech sectors keeps rental demand well ahead of available stock, supporting resilient occupancy for landlords. HMO lending in Bristol 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 Bristol and the surrounding area, so we understand exactly what's needed to get a mortgage application for a licensed HMO property approved.
Bristol has an Article 4 Direction affecting HMOs.
Bristol City Council has several separate HMO-specific Article 4 Directions covering different parts of the city rather than one city-wide rule: Lawrence Hill, Ashley, Cabot, Cotham and Clifton East (from 11 December 2011), and Clifton West and Redland (both from 21 October 2012), with new directions confirmed for parts of Brislington, Frome Vale, Purdown, Southmead and Horfield, St George, and Westbury Park, due to take effect from 1 January 2027. Within these areas, a planning application is required to convert a family home (Use Class C3) into a small HMO (Use Class C4); an HMO for 7 or more people always needs planning permission anywhere in the city. The council publishes an interactive map of all current areas.
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 Bristol 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.
