Looking for HMO Mortgage in Liverpool? Then look no further.
We have whole of the market access allowing us to find our customers the best possible deal.
Liverpool consistently ranks among the UK's strongest buy-to-let yield locations, thanks to low entry prices relative to rents and a tenant base spanning students, young professionals and long-term renters across its Victorian terraced stock. HMO lending in Liverpool 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 Liverpool and the surrounding area, so we understand exactly what's needed to get a mortgage application for a licensed HMO property approved.
Liverpool has an Article 4 Direction affecting HMOs.
Liverpool City Council has an Article 4 Direction in place that removes permitted development rights for converting a family home into a small HMO (3–6 people) in a number of wards — including Anfield, Central, Greenbank, Kensington and Fairfield, Picton, Princes Park, Riverside, Tuebrook and Stoneycroft, Wavertree, and the Dales area. Within these wards, planning permission is needed for the conversion itself, not just an HMO licence. Separately, anywhere in Liverpool an HMO for 7 or more people always needs planning permission, Article 4 or not. HMOs already lawfully in use as such before the relevant date in each ward are generally unaffected.
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 Liverpool 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.
