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Property investors come to us for expert support with complex property types such as Houses in Multiple Occupation (HMOs) and multi-unit freehold blocks. We have direct access to specialist HMO lenders who understand the unique requirements of these investments, including licensing, rental yield considerations, and tenant arrangements. Whether you’re acquiring your first HMO or expanding an existing portfolio, our team offers the insight and lender connections needed to secure competitive, fit-for-purpose finance.
Our expertise also extends to multi-unit properties, where multiple self-contained units exist within a single title. These cases often require more nuanced underwriting, but with our whole-of-market access and experience handling complex portfolios, we’re well equipped to manage even the most intricate scenarios. We take the time to understand your investment strategy and structure the finance accordingly—offering clear, tailored solutions that support your long-term property goals.
Your free strategy meeting:
Expert research:
Handle complex paperwork:
Our advisers are always available for a chat, get in touch to get started with your mortgage and protection needs.
To get started securing your mortgage, you’ll need a few things throughout the application process; see below to help you prepare:
Ready to take the next step? Download one of our useful guides to explore how we can help your specific situation. Or use our repayment or affordability calculators to help budget.
HMO (House in Multiple Occupation) mortgages are for properties rented to multiple unrelated tenants sharing facilities. MUFB (Multi-Unit Freehold Block) mortgages are for properties split into separate self-contained units.
Typically, HMO mortgages require a minimum 15% deposit, though this can vary based on the property type, your experience, and chosen lender.
Many HMOs require mandatory licensing from the local authority. We’ll guide you through the requirements and help ensure your property meets all necessary standards.
Yes, we can help arrange refinancing to support property conversion. We’ll consider planning requirements, licensing, and renovation costs in your application.
Some lenders require previous landlord experience, while others will consider first-time HMO landlords. We’ll match you with the most suitable lenders for your experience level.
"I have had a number of dealings with Michael regarding financial matters, in particular with regard to mortgages. On each occasion, he has been thoroughly professional, reliable and informative. His assistance has helped save our family a substantial amount of money. I would not hesitate to recommend his services to anyone."
Find out why we’re different and experience a new level of tailored mortgage and protection advice. Book a free consultation today.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
2nd City Finance Limited is an Appointed Representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.
2nd City Finance Limited is registered in England and Wales. Company Number 13055699. Registered Address Advantage House, Stowe Court, Stowe Street, Lichfield, WS13 6AQ
The guidance and/or information contained in this website is subject to UK regulatory regime and is therefore targeted as consumers based in the UK.
Expert Mortgage Solutions for Your Journey Home.
