HMO Mortgage

Can I buy a HMO in a Limited Company?

Yes, though certain mortgage lenders.

The mortgage products differ from standard buy-to-let mortgages and standard HMO Mortgages. We can assist to find you the best mortgage for your circumstances.

As with a standard mortgage. You will be assessed based on your personal circumstances. This allows a Brand New Limited Company to be set up. With no assets or income and apply for an HMO Mortgage.

The mortgage lender will need personal guarantees from the Directors and shareholders.

You will typically lend money to the new company for the deposit from your personal assets.

Mortgage Lenders prefer companies that will only own and rent a property. They dislike trading companies doing other activities. Though a trading company can lend funds to a property company for the deposit. 

Whatever the reason to buy in a Limited Company. You will want to have a discussion with your accountant to see if this will put you in a better position.

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