HMO Financing inLongfield

Specialist HMO finance for Longfield, New Barn and Hartley landlords.

If you’re considering a shared house or small HMO in Longfield, Hartley or the wider DA3 area, mainstream buy-to-let lenders may not always be suitable. HMO products have their own criteria on property, tenants and landlord experience.

We help you understand those requirements and, where necessary, introduce you to FCA-authorised HMO mortgage advisers.

Typical HMO Scenarios in DA3

• Letting a larger home as a multi-let to working tenants.
• Remortgaging an existing HMO to raise capital.
• Using a limited company for a growing HMO portfolio.

HMO Mortgage Options

• Purchase finance for HMOs and conversion opportunities.
• Refurbishment & bridging finance where works are significant.
• Remortgages for better rates or equity release.
• SPV limited company lending for tax-efficient ownership (tax advice required).

Key HMO Lender Criteria

Property

• Room sizes, facilities and layout.
• Licence requirements and council standards.
• Condition and any planned improvements.

Rental Income & Demand

• Achievable room rents in DA3.
• Local demand for shared accommodation.
• Management (self-managed vs agent).

Landlord Profile

• Experience with property and HMOs.
• Personal income and other borrowing.
• Number of properties and overall gearing.

Our Role & FCA Disclaimer

We are not authorised to provide regulated mortgage advice. Our role is to explain how HMO lending works and, where advice is needed, introduce you to an FCA-authorised adviser who can recommend appropriate products.

Useful Links

Buy-to-Let Mortgages ·
Remortgages ·
Pension Review ·
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HMO FAQs — Longfield

Can I start with a small HMO?

Yes, many landlords begin with 3–4 bedroom HMOs. Criteria are usually simpler than for very large properties, but still more involved than standard BTL.

Do I always need an HMO licence?

Not always, but many properties will require one depending on tenant numbers and layout. You should confirm with the local authority.

Considering an HMO in Longfield?

If you’re planning an HMO in Longfield or DA3, get in touch to talk through your next steps.