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
| # | Lender | Verified | Rating |
|---|---|---|---|
| 1 | BM Solutions | - | |
| 2 | The Mortgage Works | - | |
| 3 | Tipton & Coseley Building Society | - | |
| 4 | Castle Trust | - | |
| 5 | CHL Mortgages | - | |
| 6 | Fleet Mortgages | - | |
| 7 | Foundation Home Loans | - | |
| 8 | InterBay Commercial | - | |
| 9 | Keystone Property Finance | - | |
| 10 | Octopus Real Estate | - |
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.