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.
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
The Mortgage Works
Tipton & Coseley Building Society
Castle Trust
CHL Mortgages
Fleet Mortgages
Foundation Home Loans
InterBay Commercial
Keystone Property Finance
Octopus Real Estate
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.