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HMOs

We are experts in HMO finance, they comprise the majority of our business. As such, we ‘Best Financial Services Supplier’ at the HMO awards 2022.

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Houses in Multiple Occupancy are properties with multiple tenants on separate tenancy agreements (usually). This  differs from single lets, which are let to a family or individual on one agreement.

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HMOs have a huge variety of sizes and tenant types. We see HMOs from as small as 3 bedrooms all the way up to 30, and beyond. Some tenants are professionals, some students. We have seen properties let to charities who place vulnerable people in them.

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Planning and licensing HMOs has changed significantly in recent years with the implementation of article 4 across many areas. Valuation methods vary frequently, both in policy and real world implementation. The lines between Bricks & Mortar and Commercial Valuations often blur with phrases like ‘HMO Uplift’ and ‘Hybrid Valuation’.

Home Decorations

HMO Mortgages

HMO Mortgages have more layers of complexity than Buy to Let Mortgages, with consideration for the property size, communal space, Landlord’s experience, tennant type, planning and so fourth

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  • Up to 80% LTV

  • First Time Landlords considered

  • Up to 20 bedrooms and beyond

  • All tenant and lease types Considered include local authority leases, subletting and Vulnerable tenants

Home Decor

HMO Bridging & Development

Most HMO developments are built for long term rental income, not sale. They often aren’t very profitable during the build but have healthy cashflow once up and running. Because of this, Bridging and Development Lenders take great care to make sure Clients are able to mortgage their properties once their loan terms are up.

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We’re well placed to assess lending options, valuation methods and the other factors involved in any HMO Development or conversion.

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  • Funding for up to 80% of the site value

  • Funding for 100% of build costs

  • Deep knowledge of HMOs and up to the minute market knowledge

Tell us about your project today.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. Not all products and services mentioned are regulated by the Financial Conduct Authority.

Uplift Finance trades from Langton House, Bird Street, Lichfield, WS13 6PY

Uplift Finance is a trading style of Edward Clark which is an Appointed Representative of Try Financial Ltd Unit 6, Cristal Business Centre, 47, Knightsdale Road, Ipswich, Suffolk  who is authorised and regulated by the Financial Conduct Authority FRN 679270.


Typical fees for a Residential or Buy to Let mortgage on a £200,000 property would be £300 on Decision in Principal and £300 on Offer. Fees for Bridging and Commercial Mortgages will be reviewed on a case by case basis and according to circumstance. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. Not all products and services mentioned are regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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