Top 10 Best HMO Brokers in the UK (2026)
Ranked shortlist from our directory — same broker pool and rules as our HMO guide. Not a personal recommendation; see how we rank below.
How this list is built
We use transparent directory signals only - no paid placement.
- Brokers must list hmo in our directory, using the same matching rules as the pillar page.
- Order is based on verification signal, then average rating, then total review count.
- This is directory ordering, not a personal recommendation or financial advice.
Shortlist
FCA-regulated brokers in our directory with hmo specialisation, ordered as above.
10 brokers
The HMO Mortgage Broker
Newham
The HMO Mortgage Broker is a mortgage broker based in Newham. Established in 2017. The firm supports clients with Adverse Credit and Buy-to-Let mortgages.
Yellow Brick Mortgages
Norwich
Yellow Brick Mortgages is a mortgage broker based in Norwich. The firm supports clients with Adverse Credit and Auction mortgages.
Create Finance
Derby
Create Finance is a mortgage broker based in Derby. The firm supports clients with Adverse Credit and Auction mortgages.
Advantage Financial Solutions
Thornbury
Advantage Financial Solutions is a mortgage broker based in Thornbury. The firm supports clients with Adverse Credit and Auction mortgages.
Allegro
Stantonbury
Allegro is a mortgage broker based in Stantonbury. The firm supports clients with Adverse Credit and Auction mortgages.
Finance Planning
Haywards Heath
Finance Planning is a mortgage broker based in Haywards Heath. The firm supports clients with Adverse Credit and Auction mortgages.
Smart Advice
Thornbury
Smart Advice is a mortgage broker based in Thornbury. The firm supports clients with Adverse Credit and Auction mortgages.
The Levels Financial
Taunton
The Levels Financial is a mortgage broker based in Taunton. The firm supports clients with Adverse Credit and Auction mortgages.
Number One Mortgages
Adur
Number One Mortgages is a mortgage broker based in Adur. Established in 2004. The firm supports clients with Adverse Credit and Auction mortgages.
AS Financial
Camden
AS Financial is a mortgage broker based in Camden. The firm supports clients with Adverse Credit and Auction mortgages.
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
HMO Mortgages Explained: Rates, Rules & Licensing Requirements
Everything landlords need to know about HMO mortgages in 2026 — from licensing rules and Article 4 directions to specialist lender rates and deposit requirements.
HMO Licensing: Article 4 Directions & Mandatory Schemes by Area
A comprehensive area-by-area guide to HMO licensing in the UK, covering mandatory and additional licensing schemes, Article 4 directions, and how they affect your mortgage options.
HMO Mortgage Lenders: Who Offers the Best Rates in 2026?
Compare specialist HMO mortgage lenders, their rates, criteria, and maximum room counts. Find out which lenders accept first-time landlords and licensed HMOs.
HMO Mortgages: Complete Guide to House in Multiple Occupation Finance
Complete guide to HMO mortgages. Learn about licensing requirements, lending criteria, and investment considerations.
Important Information
Mortgage118 is not a lender or broker. This page reflects directory information only and is not financial advice. Confirm FCA status and suitability with an adviser before you act.