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HMO Mortgage Calculator


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HMO Mortgage Calculator 

Using our HMO mortgage calculator below will allow you to estimate the monthly repayments you will need to pay for your mortgage. Read through our instructions below to get an approximate amount. Working out the amount your repayments is essential before applying for a mortgage so that you know that you will be able to afford the repayments and you will be able to work out the rental income you will need to cover your payments and also earn a yield.


To get a more accurate figure on the size of the HMO mortgage you may be able to get and also the interest rate you will be offered speak with one of our expert mortgage brokers that will be able to get you a quote based on your personal circumstances.


Additional fees such as arrangement fees and valuations fees should be taken into account when doing your initial affordability checks.

Using our HMO Mortgage Calculator

 To use our mortgage calculator simply input the loan amount. This is the amount that you are looking to borrow, if you have found a property or are looking at a certain type of property you will know the value. The maximum loan to value on HMO properties is usually 75%. If the property type is classed as higher risk then lenders will sometimes look at lowering the max loan to value.

 Example: If you are looking to purchase a property for £200,000 you will need to have a deposit of at least £50,000 and get a HMO mortgage for the remaining balance of £150,000.

 If you have other assets such as other properties then it is possible to get an HMO mortgage using your assets as security so you will not need a deposit.

Interest rates

Interest rates vary from lender to lender and will be calculated when you apply for your mortgage. Your circumstances will affect the interest rate you will be offered if you have bad credit you may be offered a higher rate of interest by a more specialist lender Deposit or level of security you have will also affect the interest rate. The lower the risk to the lender the better rates will be offered is a general rule.

Repayment Terms

 Most lenders will lend between 1-20 years for an HMO mortgage, you may be able to increase the term of the loan up to 30 years depending on your age. Longer terms will mean that you will pay more in interest overall however it will reduce your monthly repayments which will make the loan more affordable and the monthly yield will be higher.

Expert Advice

 Get in touch today to find out exactly how much you would be able to borrow and our expert mortgage brokers will search the market to find you the best deal.

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HMO Mortgage Information

Looking for specialist advice? Read through our articles about HMO Mortgages and get the best advice to get the mortgage that you need.

Terms & Conditions is an information-only website we strive to give information and tips that are relevant to our users; we don't guarantee to be right all of the time so take professional advice before acting on any information on this site. We can't accept liability should anything go wrong.

We are UK based, and the information we provide is relevant only to the UK. The information isn't tailored to your circumstances; we strive to put you in touch with an appropriate broker for your particular needs. All of our experts are appropriately qualifies and regulated by the FCA as appropriate.

Legal Information

Your initial mortgage consultation is always free of charge. Depending on the complexity of your mortgage, there may be a fee for your broker's mortgage advice and arrangement service. Any fees will be discussed and agreed with you before you make a mortgage application. is an independent marketing website registered in the UK. The purpose of the site is to put you in touch with a suitable expert.


Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

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