Looking for HMO Mortgage in Edinburgh? Then look no further.
We have whole of the market access allowing us to find our customers the best possible deal.
Edinburgh's supply-constrained housing market, driven by its universities, professional workforce and year-round tourism, keeps rental demand consistently ahead of the available stock. HMO lending in Edinburgh 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 Edinburgh and the surrounding area, so we understand exactly what's needed to get a mortgage application for a licensed HMO property approved.
Scotland does not use the Article 4 Direction system that applies in England and Wales. Instead, Edinburgh applies its own planning policy threshold alongside mandatory licensing.
The City of Edinburgh Council's planning policy states a new HMO will not be approved in localities where HMOs already make up 30% or more of all households — a planning policy threshold rather than a formal Article 4 Direction. This applies alongside Scotland's separate mandatory HMO licensing requirement (needed for 3 or more unrelated occupants; operating without one is a criminal offence). The council's licensing board scrapped its blanket 'overprovision' policy in June 2025, though overprovision can still be raised as a ground for refusing an individual licence application.
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 City of Edinburgh 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.
