Securing finance for HMOs and multi-unit freehold blocks requires specialist expertise. Lender criteria can be complex, with strict definitions around licensing, unit layout, and planning use.

Properties are often valued on a commercial or hybrid basis, which impacts loan amounts and borrowing strategy. We help investors navigate stricter affordability stress tests, portfolio exposure limits, and experience requirements. Legal title, unit configuration, and utility separation can further influence lender appetite.

Whether you're acquiring, refinancing, or exiting a bridging facility post-conversion, we help structure the deal, access the right specialist lenders, and manage the entire process from start to finish.