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Smarter finance for high-yield properties

Our specialist lending solutions for higher yielding Houses of Multiple Occupation (HMOs) and Multi-Unit Freehold Blocks (MUFBs) offers flexible criteria, expert support, and tailored solutions, helping landlords maximise rental yields, scale portfolios, and unlock the full potential of multi-let properties.

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Making complex property investment simple

We make it simple to invest in HMOs and MUFBs. These property types can be complex, but our flexible approach is designed to support you. We provide funding for HMOs with multiple tenants and MUFBs with a variety of unit layouts, alongside options for different ownership structures such as limited companies and trusts. 

Our experienced team understands how to assess rental income from multiple tenants, giving you confidence in affordability and returns. Whether you’re buying or refinancing, we offer tailored repayment choices, quick decisions, and expert support to help you grow your portfolio.

Why invest now?

Demand for shared living and rental accommodation is rising, driven by affordability pressures and lifestyle changes. HMOs and MUFBs typically deliver higher rental yields than single lets, helping landlords maximise returns. With flexible finance and tailored support, now is the right time to expand, diversify, or refinance your portfolio with confidence.

Why borrow with ÍøÆسԹÏ?

Higher yields supported

We include rental income from all tenants or units to strengthen affordability

Flexible structures 

Lending available to a variety of structures, including individuals, companies, trusts, and more

GB-wide coverage

Lending across England, Scotland & Wales (excluding Isle of Man and the Channel Islands)

Growth potential

Suitable for refinancing, acquisitions, or scaling portfolios with HMOs and MUFBs

Key lending criteria for HMOs & MUFBs

  • Loans from £1m up to £20m
  • Up to 75% LTV for residential, 65% for commercial
  • Variable and fixed-rate options available: 2, 3, or 5 years
  • Rental calculation: based on combined rental income across all tenants or units
  • Flexible terms: up to 30 years
  • Lending across England, Scotland & Wales
  • No maximum age for limited companies
  • Available to individuals, limited companies, special purpose vehicles and trusts
  • Financing available for newly converted or refurbished HMOs & MUFBs, subject to valuation and licensing
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Additional highlights

Specialist HMO & MUFB expertise

We understand complex multi-tenant lending, ensuring accurate, efficient decisions for your investments

Flexible lending criteria

Adaptable requirements accommodate varied property layouts, ownership structures, and investment strategies

Multiple rental incomes considered

Affordability assessed using combined rents from multiple tenants, maximising your borrowing potential

High loan-to-value options

Up to 75% LTV available, enhancing purchasing power for HMO and MUFB investors

Ownership structure flexibility

We lend to individuals, limited companies, LLPs, and trusts for versatile client solutions

Support for new conversions

Finance newly converted or refurbished HMOs and MUFBs, subject to valuation and licensing

Dedicated underwriting team

Specialist underwriters handle complex cases quickly, reducing delays for you

Strong market knowledge

We understand demand in urban and student sectors, helping you place cases with confidence


HMOs & MUFBs frequently asked questions

We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties. 

Yes, with no limit on bedrooms, units, or overall portfolio size.

Yes, we will lend on houses of multiple occupation and multi-unit blocks depending on the property and criteria.

A House of Multiple Occupation (HMO) is a property rented by at least three tenants from different households who share facilities such as kitchens or bathrooms.

A multi-unit freehold block (MUFB) is a single freehold property containing multiple self-contained units, each with its own facilities such as kitchen and bathroom.

We lend to a variety of structures including individuals, limited companies, and trusts subject to due diligence requirements.

Yes. We finance newly converted or refurbished HMOs and MUFBs, subject to valuation and licensing compliance.

Yes. We offer specialist buy-to-let loans for properties rented to multiple tenants from different households who share facilities such as kitchens or bathrooms. These loans are designed to reflect the higher rental yields and added complexities of HMO investments. ÍøÆØ³Ô¹Ï only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

Yes. Most houses of multiple occupation (HMOs) require a licence from the local authority, especially if the property is large or has five or more tenants. Multi-unit blocks may also need planning or building control sign-off. Compliance with local licensing rules is essential before funding is released.

While experience helps, it isn’t always mandatory. ÍøÆØ³Ô¹Ï will consider first-time HMO or MUFB investors (subject to a maximum of 6 bedrooms or units) if the project is strong and a clear management plan is in place.

A standard buy-to-let is usually let to one household under a single tenancy, while an HMO has multiple tenants on separate agreements in one dwelling. HMOs and MUFBs typically generate higher rental yields, but they also involve more complex management, licensing and finance solution.

With flexible lending, tailored terms, and specialist support, we help you unlock the potential of HMOs and multi unit freehold blocks so you can grow your portfolio with confidence.

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