Mortgages for Commercial HMO Property

Commercial HMO Mortgages are available for HMO properties designated as Mixed Commercial / Residential, an example may be;

High Street property with Commercial premises which may be tenanted or vacant (subject to total income from whole property) with additional residential accommodation with 5 or more occupants in the building. This would normally fall into the category of an HMO and would require a licence.

Rates for the above scenario would start at +4.50% over the Bank of England Base Rate and loans would available up to 70% of the property value on a capital and interest basis and subject to a rental calculation to determine the loan amount.

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