Yes, you can secure an HMO (House in Multiple Occupation) mortgage as a limited company.
It’s common for property investment companies, particularly those established as Special Purpose Vehicles (SPVs), to obtain HMO mortgages.
Lenders often create mortgage products tailored for limited companies.
When applying as a limited company, lenders will evaluate the company’s financial stability, the property management experience of the directors, and the projected returns of the investment property.
You will need to provide company accounts, a business plan, and details of your property investment history.
Be aware that interest rates and terms may differ from personal mortgages, and you should also consider potential corporate tax implications.