Top 10 Best HMO Lenders in the UK (2026)
Ranked shortlist of lenders in our directory — same data and rules as our HMO guide. Not a personal recommendation; see how we rank below.
Top 10
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.
Shortlist
Lenders in our directory with hmo focus, ordered as above.
10 lenders
BM Solutions
bankHalifax
The Mortgage Works
bankSwindon
Tipton & Coseley Building Society
building societyTipton
Castle Trust
specialistLondon
CHL Mortgages
specialistPeterborough
Fleet Mortgages
specialistLeatherhead
Foundation Home Loans
specialistLondon
InterBay Commercial
specialistSolihull
Keystone Property Finance
specialistSwindon
Octopus Real Estate
specialistLondon
BM Solutions
bankHalifax
The Mortgage Works
bankSwindon
Tipton & Coseley Building Society
building societyTipton
Castle Trust
specialistLondon
CHL Mortgages
specialistPeterborough
Fleet Mortgages
specialistLeatherhead
Foundation Home Loans
specialistLondon
InterBay Commercial
specialistSolihull
Keystone Property Finance
specialistSwindon
Octopus Real Estate
specialistLondon
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
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.