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Processing a HMO Mortgage application takes roughly the same amount of time as any other application. On a HMO Purchase a typical time frame of 2 months, quicker if using Bridging Finance or Remortgageing. Of course some lenders are faster, some are slower; often it depends upon the complexity of the application.


An additional step for mortgage lenders is to check if you have a HMO Licence, Planning (if required) and Selective Licensing (if required). Often it will be a mortgage condition that you are deemed "fit and proper" to run a HMO, this allows lenders to grant finance on sight of an application (for the licence).

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You have many options on how you wish to send us your details for your No Obligation Free Quote:

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

HMO.Mortgage & Bespoke Finance are trading styles of Bespoke Finance Direct Limited

Bespoke Finance Direct Limited is authorised and regulated by the Financial Conduct Authority (No. 715805) to transact regulated mortgages.

The FCA does not regulate some investment mortgage contracts.

Bespoke Finance Direct Limited is registered in England and Wales (No. 09623432) at 31 Church Lane, Pudsey, LS28 7LD.

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