HMO Ltd company mortgages

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   91 reviews  
 
  
         
   Everest Mortgage Services
   5.091 Google reviews 
 
 
 
        Posted on Google  
   
   Simon Hedger Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John starts where others don’t: he properly listens. Then he’s like a dog with bone until the job is done. Highly recommended
  
 
 
      Posted on Google  
   
   Chloe Stringer 
 
 
 
 Trustindex verifies that the original source of the review is Google.  ⭐️⭐️⭐️⭐️⭐️
John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!
  
 
 
      Posted on Google  
   
   Jordan Nicholls 
 
 
 
 Trustindex verifies that the original source of the review is Google.  Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand.

He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way.

We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
  
 
 
      Posted on Google  
   
   Kath Tonkyn 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a  true proffessional. Thanks John for everything. You are truly the best.
  
 
 
      Posted on Google  
   
   Louise Holmes 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.
  
 
 
      Posted on Google  
   
   Christina 
 
 
 
 Trustindex verifies that the original source of the review is Google.  I honestly don’t know how I would have got through buying my first house without John.

From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about.

Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions!

What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress.

John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands.

I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!
  
 
 
      Posted on Google  
   
   Kyle McClorey 
 
 
 
 Trustindex verifies that the original source of the review is Google.  As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable.

John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer.

His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way.

I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!
  
 
 
      Posted on Google  
   
   james foley 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We’re do I start I’m so glad I got recommended to John. He made getting a mortgage feel so easy and effortless.
Every question I had to ask John he was so quick to get back to you.
He made you feel like he couldn’t do enough. I can not thank him for making it feel personal like he knew us and wanted the best outcome. He also is one of the nicest person I have ever met. If I was going to recommend anyone it would 100% be John.
  
 
 
      Posted on Google  
   
   Victoria 
 
 
 
 Trustindex verifies that the original source of the review is Google.  I am so grateful to have found John! He is an incredible broker and a genuinely lovely person who goes above and beyond. He makes no question seem like a silly question and has made a stressful process as simple as it can be. I would highly recommend John to everyone and can't thank him enough for his help :)
  
 
 
      Posted on Google  
   
   abanoub alfonse 
 
 
 
 Trustindex verifies that the original source of the review is Google.  When I arrived in the UK, I had only been here for 3 months. I was on a spouse visa, had very little UK employment history, and other mortgage advisers told us that getting a mortgage would be extremely difficult or even impossible.

From the first conversation, John gave us confidence. He explained exactly what we needed to do and told us that the most important thing was getting my first few payslips and building my employment record. He had a clear plan from the start.

What I liked most was how honest and straightforward he was. He always answered our questions, kept us updated, and made the whole process easy to understand. Nothing ever felt too much trouble.

John didn't just help us get a mortgage. He advised us on properties, helped us understand what was a good purchase, guided us on what offer to make, and even helped us find solicitors. It felt like he genuinely cared about helping us buy the right home, not just getting the mortgage approved.

In less than 4 months, John achieved what two other mortgage advisers told us was impossible. We now have a mortgage offer and are buying our first home together.

The whole experience was smooth, professional and surprisingly stress-free. John was always there when we needed advice and support.

If you are a first-time buyer, new to the UK, or have a complicated situation, I highly recommend speaking to John before anyone else.

Thank you, John. You have helped us achieve something we never thought would be possible, and we will always be grateful.

John Everest

Qualified Mortgage Adviser & Founder

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Limited company HMO mortgages

There’s a growing demand for flexible, high-yield rental properties, and an increasing number of landlords are paying attention to Houses in Multiple Occupation (HMOs) and Multi-Unit Blocks (MUBs), seeing them as a way to maximise investment returns. But, some landlords are taking this one step further, by pairing HMOs and MUBs with a limited company buy-to-let mortgage. By setting up a limited company – which is also known as a Special Purpose Vehicle (SPV) in this context – and securing an SPV mortgage, landlords have a tax-efficient, strategic way to scale their property portfolio.

At Everest Mortgages, we understand that SPV mortgages, HMO mortgages and limited company buy-to-let mortgages can all seem daunting. But, we’re on hand to ensure you

secure the right mortgage through the right structure, giving you the financial boost you need to take your portfolio to the next level.

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HMOs vs. MUBs

An HMO is a property that’s rented out by three or more tenants, all from different households. They share facilities, such as the kitchen or bathroom, but are separate tenants. HMOs are popular with landlords and property investors because they bring in higher rental yields than standard buy-to-let properties and rental income is spread across multiple tenants. If a room is empty and another tenant can’t be found, income still comes from the remaining tenants. HMOs tend to be found in areas with a strong demand for student and professional housing, and in busy cities.

A MUB is slightly different, as it’s a single freehold property that’s divided into separate, self-contained units. For example, a block of flats. Unlike an HMO, each unit within a MUB can have its own entrance, kitchen and bathroom. But, the whole block is owned as one, by the same landlord or investor. MUBs are popular because they result in a higher combined rental income and there’s less void risk. Much like an HMO, if one unit within a MUB is empty, the others still produce income.

What are limited company HMO and MUB mortgages?

As HMOs and MUBs are seen as being more complex properties, lenders won’t simply offer you a standard buy-to-let mortgage. If you want to buy an HMO or MUB, and you’re planning to do so through a limited company, you will need a specialist limited company buy-to-let mortgage. These are buy-to-let mortgages designed for properties with multiple tenants, or properties split into multiple, self-contained units, that are owned through a limited company.

As HMOs and MUBs are seen as more complex properties, lenders apply different criteria than standard buy-to-let mortgages, and even more if you’re purchasing through a limited company. This is why specialist lenders and mortgage brokers are essential, which is where Everest Mortgages comes in.

The role of an SPV in limited company mortgages

An SPV – which stands for Special Purpose Vehicle – is a limited company that’s set up specifically for the purpose of buying, owning and managing investment properties. It doesn’t trade in anything else, and the only activity is property rental or investment. By registering with Companies House, using the right SIC codes and appointing directors – more often than not, these are the property investors, including yourself – you can invest in properties and apply for mortgages. These are held in the company’s name, rather than being linked to you as an individual.

We search 1000's of mortgage deals across a large number of lenders, including...

Why investors use an SPV for MUB and HMO mortgages

Many landlords choose to structure their HMO or MUB property portfolio through an SPV, wanting to take advantage of the financial benefits and increased flexibility. By setting up a limited company that’s dedicated to property, you benefit from:

Potential tax-efficiency

As rental profits earned by an SPV are taxed at corporation tax rates, rather than personal income tax rates, you might have the chance to keep more of your hard-earned income.

Easier to scale your property portfolio

Buying properties through a limited company makes it easier to add new investors, release equity, hold multiple properties under one SPV and secure portfolio mortgages. This makes it easier to scale your property portfolio as a whole.

Well suited to HMO and MUB lending

Some lenders prefer lending to SPVs for complex property types because the limited company structure keeps finances separate, and they can assess rental performance rather than personal affordability.

Limited personal liability

As the limited company is the owner of the property, and the borrower of the SPV mortgage, any debts and claims stay within the company. This protects your personal assets.

Cleaner financial record

As your SPV only holds investment property, it’s a lot easier to keep your accounts organised and more appealing to lenders.

Who are limited company HMO and MUB mortgages best for?

Experienced landlords who want to expand into high-yield properties, as HMOs and MUBs often produce stronger returns.
Investors who want to build a portfolio through a limited company, as SPVs make long-term growth easier and more tax-efficient.
First time corporate landlords looking for a structured approach to property investing.
Landlords converting existing properties into HMOs or MUBs.

Read our reviews

    
   91 reviews  
 
  
         
   Everest Mortgage Services
   5.091 Google reviews 
 
 
 
        Posted on Google  
   
   Simon Hedger Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John starts where others don’t: he properly listens. Then he’s like a dog with bone until the job is done. Highly recommended
  
 
 
      Posted on Google  
   
   Chloe Stringer 
 
 
 
 Trustindex verifies that the original source of the review is Google.  ⭐️⭐️⭐️⭐️⭐️
John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!
  
 
 
      Posted on Google  
   
   Jordan Nicholls 
 
 
 
 Trustindex verifies that the original source of the review is Google.  Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand.

He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way.

We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
  
 
 
      Posted on Google  
   
   Kath Tonkyn 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a  true proffessional. Thanks John for everything. You are truly the best.
  
 
 
      Posted on Google  
   
   Louise Holmes 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.
  
 
 
      Posted on Google  
   
   Christina 
 
 
 
 Trustindex verifies that the original source of the review is Google.  I honestly don’t know how I would have got through buying my first house without John.

From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about.

Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions!

What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress.

John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands.

I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!
  
 
 
      Posted on Google  
   
   Kyle McClorey 
 
 
 
 Trustindex verifies that the original source of the review is Google.  As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable.

John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer.

His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way.

I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!
  
 
 
      Posted on Google  
   
   james foley 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We’re do I start I’m so glad I got recommended to John. He made getting a mortgage feel so easy and effortless.
Every question I had to ask John he was so quick to get back to you.
He made you feel like he couldn’t do enough. I can not thank him for making it feel personal like he knew us and wanted the best outcome. He also is one of the nicest person I have ever met. If I was going to recommend anyone it would 100% be John.
  
 
 
      Posted on Google  
   
   Victoria 
 
 
 
 Trustindex verifies that the original source of the review is Google.  I am so grateful to have found John! He is an incredible broker and a genuinely lovely person who goes above and beyond. He makes no question seem like a silly question and has made a stressful process as simple as it can be. I would highly recommend John to everyone and can't thank him enough for his help :)
  
 
 
      Posted on Google  
   
   abanoub alfonse 
 
 
 
 Trustindex verifies that the original source of the review is Google.  When I arrived in the UK, I had only been here for 3 months. I was on a spouse visa, had very little UK employment history, and other mortgage advisers told us that getting a mortgage would be extremely difficult or even impossible.

From the first conversation, John gave us confidence. He explained exactly what we needed to do and told us that the most important thing was getting my first few payslips and building my employment record. He had a clear plan from the start.

What I liked most was how honest and straightforward he was. He always answered our questions, kept us updated, and made the whole process easy to understand. Nothing ever felt too much trouble.

John didn't just help us get a mortgage. He advised us on properties, helped us understand what was a good purchase, guided us on what offer to make, and even helped us find solicitors. It felt like he genuinely cared about helping us buy the right home, not just getting the mortgage approved.

In less than 4 months, John achieved what two other mortgage advisers told us was impossible. We now have a mortgage offer and are buying our first home together.

The whole experience was smooth, professional and surprisingly stress-free. John was always there when we needed advice and support.

If you are a first-time buyer, new to the UK, or have a complicated situation, I highly recommend speaking to John before anyone else.

Thank you, John. You have helped us achieve something we never thought would be possible, and we will always be grateful.

How do limited company HMO and MUB mortgages work?

Though limited company HMO and MUB mortgages are a type of buy-to-let offering, they don’t work in the same way as traditional buy-to-let mortgages. This is because you’re not buying the property as an individual, you’re setting up an SPV and buying the property through the company.

Rental income stress tests

Whereas lenders usually look at your personal income and affordability when they’re assessing you for a buy-to-let mortgage, limited company MUB and HMO mortgages are different. Lenders usually want the rental income to cover the mortgage by between 125% and 145%, sometimes more.

Deposit requirements

Most lenders require you to have a deposit of between 20% and 30% for an SPV mortgage, and low deposit mortgages are harder to find. If you’re a first time landlord or you’ve only recently set up your SPV, lenders might want you to have an even larger deposit.

Landlord experience

Many lenders prefer HMO and MUB applicants who are applying through an SPV to have some rental experience, ideally in HMOs and MUBs specifically. There are lenders who will work with first time or less experienced landlords, and Everest Mortgages can help you to access them.

SPV structure checks

Before approving your SPV for a mortgage, lenders want to make sure everything about the limited company is above board. They will verify the correct SIC codes have been used, company registration, directors’ details and company bank accounts.

At Everest Mortgages, we work with specialist lenders who understand the appeal of buying HMO and MUB properties through a limited company structure, ensuring your investment is supported by the right mortgage from day one.

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Our highly experienced advisers make the entire buying process painless by taking all the work off your hands.

John Everest

Qualified Mortgage Adviser & Founder

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John is a CeMAP-qualified, whole-of-market mortgage adviser and Director of Everest Mortgage Services. With over 21 years in financial services, and a track record of 1,000+ mortgages arranged.

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   91 reviews  
 
  
         
   Everest Mortgage Services
   5.091 Google reviews 
 
 
 
        Posted on Google  
   
   Simon Hedger Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John starts where others don’t: he properly listens. Then he’s like a dog with bone until the job is done. Highly recommended
  
 
 
      Posted on Google  
   
   Chloe Stringer 
 
 
 
 Trustindex verifies that the original source of the review is Google.  ⭐️⭐️⭐️⭐️⭐️
John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!
  
 
 
      Posted on Google  
   
   Jordan Nicholls 
 
 
 
 Trustindex verifies that the original source of the review is Google.  Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand.

He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way.

We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
  
 
 
      Posted on Google  
   
   Kath Tonkyn 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a  true proffessional. Thanks John for everything. You are truly the best.
  
 
 
      Posted on Google  
   
   Louise Holmes 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.
  
 
 
      Posted on Google  
   
   Christina 
 
 
 
 Trustindex verifies that the original source of the review is Google.  I honestly don’t know how I would have got through buying my first house without John.

From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about.

Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions!

What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress.

John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands.

I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!
  
 
 
      Posted on Google  
   
   Kyle McClorey 
 
 
 
 Trustindex verifies that the original source of the review is Google.  As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable.

John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer.

His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way.

I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!
  
 
 
      Posted on Google  
   
   james foley 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We’re do I start I’m so glad I got recommended to John. He made getting a mortgage feel so easy and effortless.
Every question I had to ask John he was so quick to get back to you.
He made you feel like he couldn’t do enough. I can not thank him for making it feel personal like he knew us and wanted the best outcome. He also is one of the nicest person I have ever met. If I was going to recommend anyone it would 100% be John.
  
 
 
      Posted on Google  
   
   Victoria 
 
 
 
 Trustindex verifies that the original source of the review is Google.  I am so grateful to have found John! He is an incredible broker and a genuinely lovely person who goes above and beyond. He makes no question seem like a silly question and has made a stressful process as simple as it can be. I would highly recommend John to everyone and can't thank him enough for his help :)
  
 
 
      Posted on Google  
   
   abanoub alfonse 
 
 
 
 Trustindex verifies that the original source of the review is Google.  When I arrived in the UK, I had only been here for 3 months. I was on a spouse visa, had very little UK employment history, and other mortgage advisers told us that getting a mortgage would be extremely difficult or even impossible.

From the first conversation, John gave us confidence. He explained exactly what we needed to do and told us that the most important thing was getting my first few payslips and building my employment record. He had a clear plan from the start.

What I liked most was how honest and straightforward he was. He always answered our questions, kept us updated, and made the whole process easy to understand. Nothing ever felt too much trouble.

John didn't just help us get a mortgage. He advised us on properties, helped us understand what was a good purchase, guided us on what offer to make, and even helped us find solicitors. It felt like he genuinely cared about helping us buy the right home, not just getting the mortgage approved.

In less than 4 months, John achieved what two other mortgage advisers told us was impossible. We now have a mortgage offer and are buying our first home together.

The whole experience was smooth, professional and surprisingly stress-free. John was always there when we needed advice and support.

If you are a first-time buyer, new to the UK, or have a complicated situation, I highly recommend speaking to John before anyone else.

Thank you, John. You have helped us achieve something we never thought would be possible, and we will always be grateful.

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