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Most HMO Lenders value on a "brick and mortar" basis but a few allow "investment" basis valuation.


A Brick and Mortar valuation is what you'd expect from a standard residential valuation. It is based on the resale value of the property as a normal home. Comparable perhaps with other none-hmo properties on the street.


An Investment Valuation instead values the property as a business, basing the value on a multiple of the rent obtained.


In different circumstances one may be better than the other. An Investment Valuation may give a greater value but often products are fewer, giving higher rates and lower LTVs.

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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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