🏠 HMO Mortgages in Guildford

Looking to finance or refinance a House in Multiple Occupation (HMO) in Guildford? From student lets near the University of Surrey 🎓 to professional house shares in Burpham and Merrow, we help landlords understand lender requirements and structure their applications. Where regulated advice is required, we’ll connect you with an FCA-regulated adviser who specialises in HMO lending.

🤝 How We Help Landlords

• 📋 Explain HMO mortgage criteria and lender appetite
• 🏢 Compare personal vs. SPV limited company ownership
• 📊 Discuss stress tests, yield and valuation requirements
• 🗂️ Prepare documents (ASTs, licence proof, rental comps)

🔎 What Lenders Look For

• 💰 Deposit: Usually 25–35% depending on size and tenant type
• 📈 Experience: Many lenders prefer prior landlord history
• 📉 Rental cover: Stricter ICR stress tests vs. standard BTL
• ✅ Licensing: Proof of HMO licence where applicable

📍 Local Notes

In Guildford, strong student demand near the university drives HMO appetite. Lenders will scrutinise room sizes 📐, fire safety compliance 🔥, and rental comparables 📑. Clear documentation supports smooth valuation and underwriting.

❓ HMO FAQs

💡 Can I get 75% LTV on an HMO?

Often yes, though higher deposits can improve rates and product choice.

💡 Do I need landlord experience?

Usually — some lenders want 12–24 months’ letting history.

💡 Are all HMOs licensed?

Mandatory if 5+ tenants form 2+ households; local rules may extend this.

💡 What counts as an HMO?

Any property let to multiple unrelated tenants with shared facilities, usually 3+ people.

🚀 Next Steps

Share your Guildford HMO plans and we’ll outline lender routes and connect you with an FCA-regulated adviser for tailored guidance.