Looking for HMO Mortgage in London? Then look no further.
We have whole of the market access allowing us to find our customers the best possible deal.
London's rental market is dominated by strong, structural tenant demand from professionals and international arrivals, keeping voids low even as purchase prices stay well above the UK average. HMO lending in London 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 London and the surrounding area, so we understand exactly what's needed to get a mortgage application for a licensed HMO property approved.
Unlike every other city here, there is no single council for London — it's split across 33 separate boroughs, and Article 4 status must be checked borough-by-borough, not city-wide.
Most London boroughs now have an Article 4 Direction removing permitted development rights for small HMO conversions (Use Class C3 to C4), including boroughs such as Tower Hamlets, Newham, Southwark, Hackney, Waltham Forest and Barking & Dagenham covering their whole area, while others (e.g. Camden, Islington) apply it only to specific wards — and a small number of boroughs may have none at all. An HMO for 7 or more people always needs planning permission everywhere in London, 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 the relevant London borough 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.
