HMO Mortgage

What tenant types do lenders accept?

Mortgage conditions may restrict the type of tenancy you can have in the property. This is mainly tenancies that are viewed as a higher risk; AirBNB, DSS Tenants or Students for example. You will have more lending options for professional working tenants. Viewed as a lower risk of default from a mortgage lender.

Though we have mortgage lenders that are willing to look at every situation. 

2019 has seen many lenders loosen criteria on DSS Tenants.

Your mortgage lender on the survey will look at saturation of a tenancy type in an area. Take for example a Surveyor commenting that an area is oversaturated with student accommodation, leading to questions about demand.

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