HMO Mortgages in Brighton

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HMO Mortgages in Brighton

Brighton’s active lettings market makes Houses in Multiple Occupation (HMOs) a popular investment choice for landlords. Converting a building into an HMO or buying one already converted, finance can be more complex than with a conventional buy-to-let. Some lenders require more stringent criteria, and interest rates can vary. That is where Everest Mortgages Brighton can help.

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What is an HMO?

An HMO is a property rented out by a minimum of three un-housed tenants with communal facilities such as bathrooms or kitchens. They are particularly in demand in Brighton, because of its student population, young professionals, and rising rental demand. Although HMOs can generate higher rental yields, lenders will consider them to be riskier.

How HMO mortgages differ

HMO mortgages typically demand:
Larger sums than typical buy-to-let mortgages.
A good reputation as a landlord (but some will take newbies).

Evidence that the property is in line with licensing and safety standards.

Because of these factors, it’s important to employ a broker who knows what lenders are open to HMO finance.

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How Everest Mortgages assists landlords

Here at Everest Mortgages Brighton:

We search the whole market for competitive levels of HMO mortgages.
Deal with lenders who have experience of landlord and portfolio finance.
Help you through regulation requirements and property criteria.
Handle your application from start to finish to save you time.

Whether you’re adding your first HMO to your portfolio or continuing a multi-property expansion, we’ll make sure that you have the correct finance in place to achieve maximum returns.

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Talk to an expert today

Brighton boasts one of the UK’s most active HMO markets. Do not let mortgage issues stand in the way of taking advantage of the opportunities. With Everest Mortgages Brighton, you can have a trusted partner who understands the local market and has access to expert HMO lenders.

Get in touch with us now to discuss your plans and find the perfect mortgage solution for your HMO investment.

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Why choose Everest Mortgages?

Independent, whole-of-market advice from advisers who put you first — every time.

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We're totally impartial and focused on finding the perfect mortgage to suit you — not the lender.

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We search the market for the best deals

We work with all lenders, big and small, to give you exclusive access to a comprehensive range of mortgage rates.

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We work to your schedule

We're flexible to fit around you — evenings, weekends, whatever works best for your life.

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We take away the hassle

We deal with lenders on your behalf, so everything from paperwork to negotiation is completely stress-free.

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We're supportive and friendly

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.