HMO Buy-to-Let Mortgage Calculator

How much could you borrow?

Use our HMO buy to let calculator for a fast estimate of your borrowing potential based on the specialist yields of multi-let properties. No credit checks here! Simply fill out the information below to get your estimate!

Specialist HMO Mortgage Guides

Our specialist guides help you move beyond the HMO buy-to-let calculator results. Explore how HMO licensing, complex incomes, and expert broker support can help you secure your next investment move.

6 mins

HMO mortgages guide

Everything you need to know about HMO rules, licensing, and finding the right mortgage for a multi-room property.

8 mins

Limited Company BTL Mortgages

Thinking of buying through a limited company? See how a corporate structure could work for your HMO investment.

6 mins

Buy to Let Remortgage Guide

Already own an HMO? Find out how to switch to a better rate or release some cash to help grow your portfolio.

Excellent

4.94 based on 156 reviews

Jonathan

Verified user

Wouldn't hesitate to recommend. Daniel at Just mortgage Brokers helped me get a mortgage in 2015 and then 10 years later he helps me secure a mortgage for my second house. Wouldn't go elsewhere. Many thanks.

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United Kingdom, 21 hours ago

Claire & Richard

Verified user

Been using a few years now , always a pleasure to work with with Daniel and always finds us the best deal.

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United Kingdom, 22 hours ago

Nathan & Erin

Verified user

Dan was fantastic from start to finish. It took him less than a day to secure us a mortgage offer on a competitive rate. Never a question he was unable to answer whether it was mortgage or life insurance related. Highly recommend, A1 service!

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United Kingdom, 2 months ago

Gary

Verified user

Daniel helped us again renewing our mortgage and was extremely helpful throughout the entire process. Emails were responded to promptly, and any queries we had were dealt with without hesitation. Highly recommend.

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United Kingdom, 2 months ago

Costas

Verified user

We were very happy with Daniel at Just Mortgages as he helped us with our mortgage journey.He was very helpful and the process was quicker then we expected.Excellent customer service and very professional....5 Star review for Just Mortgages!

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United Kingdom, 8 months ago

Yaser & Amanah

Verified user

Daniel was excellent, he really helped us get the right mortgage package. He helped me understand each package and rate. Daniel was very patient with me. Thank you Daniel! I honestly highly recommend

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United Kingdom, 8 months ago

Timothy

Verified user

As a Landlord with a large portfolio the number of products available are limited. Daniel was great identifying competitive products and we agreed to three buy to let mortgages which completed without any issues. All questions and responses were anwered in a timely and professional manner. I would recommend Daniel and Just Morgage Brokers.

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United Kingdom, 8 months ago

Verity

Verified user

Just Mortgage Brokers are very helpful and responsive. Would definitely recommend their services to everyone

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United Kingdom, 8 months ago

Daniel

Verified user

Excellent support getting my initial mortgage and subsequently remortgaging. Very friendly service, always transparent and honest. Recommend highly

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United Kingdom, 8 months ago

Sarah

Verified user

It’s the second time we have used Just Mortgage Brokers & they were amazing! Daniel made everything so easy for us. We will definitely use them every time & recommend to friends & family.

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United Kingdom, 8 months ago

FREQUENTLY ASKED QUESTIONS

Lenders primarily assess the rental yield of the individual rooms. They use a higher Interest Cover Ratio (ICR) than standard buy-to-lets to account for increased running costs and management.

If the property requires a mandatory license from the local authority, most lenders will require proof of this (or a pending application) before they will finalise your mortgage offer.

Yes, but options are more limited. Some specialist lenders will consider first-time landlords for HMOs, though they may require you to appoint a professional letting agent to manage the property.

Typically, yes. While some lenders offer 75% LTV, many prefer a 20% to 25% deposit due to the “complex” nature of multi-tenant properties and the specialised valuations involved.