Are there specific mortgage products available for HMO properties with more than 5 bedrooms, and what are the typical deposit requirements and rental income coverage ratios lenders expect for these?
Quick Answer
Yes, specialist HMO mortgage products exist for properties with 5+ bedrooms, requiring higher deposits (25-30% LTV) and stricter rental coverage ratios.
About This Topic
Discover specialist HMO mortgage products for 5+ bedroom properties in the UK. Understand typical 25-30% deposit requirements and 145-170% rental coverage ratios from December 2025.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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