Secure an HMO Mortgage Tailored to Your Contractor Income
Get access to specialist HMO lenders who understand complex income structures. We secure buy-to-let solutions based on your day rate ,not payslips or tax returns.
Specialist HMO Mortgage Solutions Designed for Contractors
Whether you’re expanding your property portfolio or converting a property into a House in Multiple Occupation (HMO), our experts structure tailored mortgage options around your contractor income.
HMO Mortgages for First-Time Landlords
Entering the HMO market for the first time? We help you navigate the complex lending criteria with lenders who understand that income flexibility doesn’t mean financial instability. Our specialists ensure your first HMO purchase aligns with your investment goals and yields.
Portfolio Landlord HMO Mortgages
If you already own multiple properties, we’ll guide you through lenders that cater to portfolio landlords. We’ll help you optimise your structure ,whether personal name or limited company ,and find competitive rates that maximise your portfolio returns.
Limited Company HMO Mortgages
Operating under a limited company can offer significant tax advantages. We work with specialist lenders who provide competitive rates and flexible terms for limited company HMOs, ensuring your setup supports both cash flow and long-term growth.
HMO Remortgage Options
Looking to refinance or release equity from an existing HMO? We’ll help you access lenders offering remortgage deals with higher loan-to-values and better terms, making it easier to grow or upgrade your portfolio.
Large HMO Mortgages (6+ Tenants)
Larger HMOs often face stricter lending criteria ,but our relationships with specialist lenders mean we can source competitive deals for complex properties, including those with multiple lettable rooms, en-suites, or shared facilities.
We work with more than 120 mortgage lenders, including:
We Operate Based on Your Income
We specialise in securing mortgages for contractors based on their contract earnings alone.
No tax returns, no accounts.
We’ve helped hundreds of contractors over the years secure their first HMO investments and expand into multi-property portfolios. Working daily with specialist lenders, we offer bespoke contractor mortgage solutions rarely found on the High Street or online.
Use Our Calculator to Estimate Your Borrowing Power
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Contact us for a free bespoke contractor mortgage recommendation.
Ready to Discuss Your Options?
Don’t let traditional lending requirements limit your property investment goals. Secure your HMO mortgage based on your day rate and grow your portfolio confidently with our specialist guidance.
Compare & Find the Right Mortgage for You
Don’t settle for less ,explore, compare, and secure the best HMO mortgage deal designed for your property strategy.
Mortgage Comparison
Find the Right Second Mortgage in Minutes
Securing an HMO mortgage doesn’t have to be complicated. Our comparison tool helps you explore real-time mortgage options from trusted UK lenders ,all in one place. Review interest rates, loan terms, and monthly payments tailored to your contractor income.
Mortgage Quote
Get Your Personalised Second Mortgage Quote Instantly
Get a clear, no-obligation quote based on your income structure, property value, and goals. As contractor mortgage specialists, we provide accurate insights into how much you can borrow and what rates you could access. There’s no credit impact ,just clarity.
Why Choose Contractor Mortgage Solutions for Your HMO Mortgage?
Testimonials
Daniel R.
IT Contractor
“CMS made my HMO expansion simple.”
Their expertise in contractor lending was invaluable. I secured a competitive rate on my first HMO and now have three properties.
Sophie T.
Project Consultant
“Clear, fast, and extremely professional.”
They managed my complex HMO case with precision. Communication was excellent throughout.
James M.
Engineering Consultant
“A truly specialist mortgage broker for contractors.”
I was turned down by my bank, but CMS got my deal approved within days.
FAQ’s
What is an HMO mortgage and how does it differ from a standard buy-to-let?
An HMO mortgage is for properties rented to three or more unrelated tenants sharing facilities. Unlike standard buy-to-let mortgages, lenders assess property layout, licensing, and management experience. Rates and criteria are usually more specialist.
Our Partners: https://mortgage-tek.co.uk/
Can contractors apply for an HMO mortgage without company accounts?
Yes. We specialise in contractor HMO mortgages based on day rate income ,not company accounts or payslips. We present your contract value as annualised income to lenders who understand your working structure.
Do I need an HMO licence to get a mortgage?
Most lenders require proof of HMO licensing, especially for properties with five or more tenants. If you’re converting a property, we can help you identify lenders who accept “pending licence” applications.
Are HMO mortgages available for limited companies?
Absolutely. Many investors choose a limited company setup for tax efficiency. We work with lenders that provide limited company HMO mortgages with competitive rates and flexible terms.
How much deposit is needed for an HMO mortgage?
Typically between 25% and 35%, depending on your experience, property type, and rental yield. Some specialist lenders may offer higher loan-to-values for contractors with strong financial profiles.
Can I remortgage my existing buy-to-let into an HMO?
Yes, if your property meets local licensing and safety standards. We’ll guide you through the process and help you secure a remortgage deal suited for your upgraded property.
How is affordability assessed for contractors applying for HMO mortgages?
Instead of traditional income verification, lenders base affordability on your contract rate and projected rental yield. We ensure your application highlights both factors for maximum borrowing potential.