Top 10 Best HMO Lenders in the UK (2026)
Ranked shortlist of lenders in our directory with hmo focus.
Shortlist
Lenders in our directory with hmo focus, ordered as below.
| # | Lender | Verified | Rating |
|---|---|---|---|
| 1 | BM Solutions | - | |
| 2 | The Mortgage Works | 1.6 (20) | |
| 3 | Tipton & Coseley Building Society | 3.8 (23) | |
| 4 | Castle Trust | - | |
| 5 | CHL Mortgages | 1.5 (31) | |
| 6 | Fleet Mortgages | 2.1 (86) | |
| 7 | Foundation Home Loans | - | |
| 8 | InterBay Commercial | 2.0 (44) | |
| 9 | Keystone Property Finance | 3.8 (57) | |
| 10 | Octopus Real Estate | - |
How this list is built
We use transparent directory signals only — no paid placement. Lenders must show active hmo focus in our lender directory data. Order is based on active status, lender type grouping, then alphabetical tie-break. This is directory ordering, not a personal recommendation or financial advice.
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Landlord Fined £35,000 for HMO Violations
A landlord in St Helens has been fined £35,000 for HMO violations, highlighting the importance of compliance with housing regulations.
HMO Landlords Invest Despite £10,000 Costs
HMO landlords are investing significantly in property improvements despite rising costs, with many planning to expand their portfolios.
Planning Refusals for HMOs Surge: Impact on the Mortgage Market
HMO planning refusals have more than doubled since 2021, impacting landlords and tenants in the UK mortgage market.
HMO Planning Refusals Double: Impact on the Mortgage Market
HMO planning refusals have doubled since 2021, impacting landlords and the mortgage market significantly.
Fleet Mortgages Revamps HMO Options with New Fees
Fleet Mortgages has reintroduced fixed-rate options for HMO and MUFB properties, offering landlords more flexibility in financing.
Fleet Mortgages Launches New HMO and MUFB Products
Fleet Mortgages has reintroduced two five-year fixed-rate options for HMO and MUFB properties, enhancing choices for landlords.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice.Always verify details directly and seek independent advice before making financial decisions.