HMO Financing in Lee

HMO Mortgages & HMO Financing in Lee

HMO and multi-let finance for Lee, Hither Green and SE12 / SE13.

Good transport links and local amenities make Lee, Hither Green and Grove Park popular with sharers. Many landlords are now exploring HMOs to increase rental yield – but the lending is more specialist.

We help you understand how lenders assess HMOs and, where advice is needed, introduce you to FCA-authorised mortgage advisers.

Common HMO Setups in Lee

  • 3–6 bed professional house shares.
  • Existing HMOs needing refinance or capital raising.
  • Portfolio landlords using SPV limited companies.

HMO Mortgage Options

  • Purchase HMO mortgages for ready HMOs.
  • Refurbishment & conversion finance for change of use.
  • Remortgages to secure better terms or release equity.
  • SPV limited company lending with personal guarantees.

Lender Criteria Overview

Property & Licence

  • Number of occupants and storeys.
  • Local licensing and amenity standards.
  • Condition and fire safety build-out.

Tenants & Rental Income

  • Professional tenants vs other types.
  • Room rent levels and stress tests.
  • Void assumptions and management.

Our Role & Disclaimer

We do not provide regulated mortgage advice. We explain the landscape and, when appropriate, introduce you to FCA-authorised advisers who can recommend specific HMO mortgage products.

Useful Links

Buy-to-Let Mortgages · Remortgages · Pension Review · Contact Us

HMO FAQs — Lee

Can I switch from a single-let to an HMO?

Potentially, but you must consider planning, licensing and whether your lender allows it. A regulated adviser can help plan the change.

Plan Your HMO in Lee

If you’re exploring HMO finance in Lee, Hither Green or SE12/SE13, contact us to discuss your options.

🧮 Mortgage Calculator for Lee Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

Contact Us Today - 02036 705 746

Please feel free to complete our form and one of our friendly team will happily contact you.


Thank you James for your efficient dealing of our remortgage. The regular communication and easy to follow steps of what you needed or what was outstanding, really helped me, as I had 4 mortgages happening at the same time.
Phil West
James worked tirelessly to get us over the line with a complicated commercial BTL mortgage. Highly recommend.
Paul H
They worked on a recent mortgage for my company and we were very pleased with the result. They managed to jump through a number of hoops caused by our slightly unconventional deal and pulled together a solution better than our expectations. Will be using again!
Luke Silk
Excellent experience when financing a buy to let auction property through James and the team were excellent to deal with and guided us through the whole process with no stress what so ever! Beths knowledge and professionalism is second to none!
Cath Jones

Mortgage Broker Lee is an introducer service. We are not authorised or regulated by the Financial Conduct Authority and do not provide mortgage advice directly. All enquiries are handled by qualified, FCA-regulated mortgage advisers who offer tailored advice based on your individual needs.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

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NEXGEN Financial Services Limited (Company registration number: TBC) 

Mortgage Broker Lee

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