First Time Buyer Guide to buying your own home.
Elevate your move with our tailored Home Mover Mortgage for a smooth transition to your new dream home.
Refinance with our Home Owner Remortgage for better rates, releasing equity, or funding improvements—empowering your homeownership journey.
Dive into property investment with our Buy-to-Let Mortgage, tailored for both seasoned investors and first-timers seeking to build a profitable portfolio.
Transform your vacation home investment dreams into reality with a Holiday Let Mortgage,
Green Mortgages 🌳 are a new type of mortgage that rewards you for making your home more energy efficient.
Mortgages Adverse Credit Mortgages 📉 are for people with a poor credit history.
Cut NHS wait times with private medical care and private hospitals.
Pay off your mortgage if you or your partner die.
Navigate property transitions seamlessly with our Bridging Finance, offering quick and secure solutions for your short-term financial needs.
Secure your auction triumph with Auction Finance, providing the financial backing needed to confidently bid and acquire your desired property.
The best place to find Landlord HMO Remortgages simpler, clearer, faster
We can compare an HMO Product Transfer and HMO Remortgage for you to maximise your rental yield when you compare from some of the leading HMO mortgage providers in the UK with our nationwide mortgage specialists. Obtaining the best LTD Company HMO Mortgage for your circumstances.
Only a minority of Mortgage Lenders offer HMO Remortgages, a smaller minority offers Limited Company HMO Mortgages. Add in the rules around landlord finance from unusual properties, rental stress tests and more so for portfolio landlords.
Then your personal circumstances can limit options from minimum income, credit score and experience. A sensible property investor will seek advice from a specialist in HMO Mortgage Finance.
If you are looking to release equity from your HMO by remortgaging our advisers can look at Further Advance (from the current lender) and compare it to a remortgage, to get the best product for your circumstances.
The minimum HMO Mortgage equity is 15% of the property value (85% LTV). The rental amount can limit the maximum loan achievable, requiring higher equity. Landlords with more substantial deposits can enjoy better HMO Mortgage products and rates.
The HMO Mortgage market is in constant flux with lots of competition. This means rates vary from time to time within the Loan-to-value (LTV) ranges. If you have a small HMO a minority of lenders may allow you to mortgage on standard buy-to-let rates, large HMOs may require commercial rates. Given these complexities - it's always best to talk to a specialist HMO Mortgage adviser to find the best mortgage for your needs and circumstances.
If you intend to remortgage a property to rent it out to more than one household, you require a House of Multiple Occupancy (HMO) Mortgage. Your standard Buy to Let Mortgage contract often limits the number of households that can live in a property and limits tenants to having just one tenancy. An HMO mortgage is a different contract with a mortgage lender.
These contracts allow you to have multiple households and each of them to have their individual tenancy (if required). If your property does not require an HMO License, you can benefit from traditional Buy-to-Let rates in certain circumstances. Available from a select few mortgage lenders.
If your property requires an HMO License you will need an HMO Mortgage. You will often remortgage your HMO for one of two reasons: To obtain a better mortgage rate. To release equity by increasing borrowing.
Dive into property investment with our Buy-to-Let Mortgage, tailored for both seasoned investors and first-timers seeking to build a profitable portfolio.
Maximize your investment with Buy-to-Let Remortgage, ensuring optimal returns by refinancing your property portfolio with competitive rates.
Enhance your property investment strategy with a Buy-to-Let Rate Switch, ensuring you stay competitive in the market with a smart financial move.
Optimize your property portfolio's potential with a Buy-to-Let Mortgage in your SPV Company Name, combining strategic investments with simplified financial structures.
Grow and diversify your property portfolio with our Portfolio BTL Mortgages, offering tailored solutions for seasoned investors aiming for prosperity.
Transform your vacation home investment dreams into reality with a Holiday Let Mortgage,
Unlock the potential of shared living spaces with our HMO Mortgage, tailored to support your investment in Houses in Multiple Occupation.
Elevate your HMO investment strategy with our HMO Mortgage in your SPV Company Name, combining strategic planning with streamlined financial structures.
Revitalize and optimize your HMO investment with a strategic HMO Remortgage, ensuring your shared living spaces remain lucrative in the market.
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
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We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX