How can we help you?
We invite you to get in touch via a free, no-obligation initial consultation.
“Private Finance provided excellent service securing a remortgage for my property even though it was not a straight forward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”
“Private Finance worked incredibly hard to secure our business re-mortgage. They were always calm, professional, polite and ready to wade in on our behalf when things stalled. We would happily recommend them, and look forward to maintaining our relationship. Many thanks!”
“Outstanding services in our mortgage search, during a weird environment of fast-changing market conditions. The team has always been super responsive, very clear in their replies to all questions we had along the process, and managed to get us extremely good deals on various mortgage products. I can only strongly recommend them for your mortgage search!!”
“Private Finance provided excellent service securing a remortgage for my property even though it was not a straightforward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”
“Professional and proactive advice and service – secured me an amazing rate on my mortgage. The team were great with their communication and I always felt confident that things were progressing – completely took away any anxiety from a stressful process!”
“Private Finance have been fantastic in finding me the right provider and the right price. We have used them twice now, and both times the communication was fantastic, the options explained, and the rest of the paperwork dealt with. Would highly recommend.”
HMOs can be seen as a riskier property investment by some but can give greater rental yields. There are a wide range of lenders offering products to landlords investing in HMOs, all with different criteria. Getting expert mortgage advice is essential in this specialist market.
Please remember your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate commercial finance and some forms of buy-to-let mortgages.
With first-hand landlord experience, our expert buy-to-let consultants have the in-house expertise to understand the challenges faced by landlords today. We pair this first-hand experience with vast industry knowledge to help you find an edge in today’s challenging market.
Here are some of the reasons why thousands of landlords trust us with their mortgage needs:
We’re an independent, whole-of-market broker using over 175 different lenders, with strong ties to high-street lenders, private banks and specialist providers. We can access the real decision makers when it comes to your mortgage application.
We believe in mortgage advice that considers your personal and financial situation as well as the wider financial markets. To support this, we partner with wealth advisers and accountants to draw on their expertise when required to provide excellent advice for our clients.
With an average rating of 4.97/5 from more than 1,800 reviews, we offer an exceptional client experience. We insulate you from the rigmarole of the mortgage process, so that you can stay focussed on your day-to-day.
HMOs are typically bigger and have a range of tenants, rather than letting a property to a single person, couple or family. Rental is charged by the room and hence the expectation to achieve a greater rental yield.
Normally this is when you have a Large HMO – five or more tenants share facilities. However, you should always check with your local council.
The calculation of the rental stress test is the same as a buy to let – the rent must exceed the mortgage by a certain amount. However, with a HMO, the stress rates will be higher, so the rent will need to exceed the mortgage by a greater amount than normal buy to let.