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Product Product type Rate Max LTV* Min loan Max loan Product fee ICR BTL calculator
Special Edition Small HMO Small HMO 2 Year Fixed Special Edition Small HMO Small HMO 2 Year Fixed 2.89% 70% £30k £1M 1.75% 5.50%
Small HMO 5 Year Fixed Special Edition Small HMO Small HMO 5 Year Fixed 3.14% 70% £30k £1M 2.00% 3.14%
Trading Company Small HMO 2 Year Fixed Trading Company Small HMO 2 Year Fixed 3.65% 75% £75k £1M 2.00% 5.50%
Small HMO 5 Year Fixed Trading Company Small HMO 5 Year Fixed 3.99% 75% £75k £1.5M 2.00% 3.99%
HMO/MUFB Small HMO 2 Year Fixed HMO/MUFB Small HMO 2 Year Fixed 3.24% 65% £30k £1.5M 1.50% 5.50%
HMO/MUFB Small HMO 2 Year Fixed 3.34% 75% £30k £1M 1.50% 5.50%
Small HMO 5 Year Fixed HMO/MUFB Small HMO 5 Year Fixed 3.49% 65% £30k £1.5M 1.75% 3.49%
HMO/MUFB Small HMO 5 Year Fixed 3.59% 75% £30k £1M 1.75% 3.59%
HMO/MUFB Small HMO 5 Year Fixed 3.59% 75% £1M £1.5M 1.75% 3.59%
Large HMO 2 Year Fixed HMO/MUFB Large HMO 2 Year Fixed 3.69% 70% £30k £1.5M 2.00% 5.50%
HMO/MUFB Large HMO 2 Year Fixed 3.79% 75% £100k £1M 2.00% 5.50%
Large HMO 5 Year Fixed HMO/MUFB Large HMO 5 Year Fixed 3.89% 70% £30k £1.5M 2.00% 3.89%
HMO/MUFB Large HMO 5 Year Fixed 3.99% 75% £100k £1.5M 2.00% 3.99%
New Build Small HMO 2 Year Fixed HMO/MUFB New Build Small HMO 2 Year Fixed 3.44% 75% £30k £750k 1.75% 5.50%
New Build Small HMO 5 Year Fixed HMO/MUFB New Build Small HMO 5 Year Fixed 3.69% 75% £30k £750k 2.00% 3.69%
HMO/MUFB New Build Small HMO 5 Year Fixed 3.69% 75% £750k £1M 2.00% 3.69%
Tracker Small HMO Tracker Tracker Small HMO Tracker 3.45% (3.35% + BBR) 60% £30k £1.5M 2.00% 5.50%
Tracker Small HMO Tracker 3.55% (3.45% + BBR) 75% £30k £1.0M 2.00% 5.50%
New Build Small HMO Term Tracker Tracker New Build Small HMO Term Tracker 3.55% (3.45% + BBR) 75% £30k £750k 2.00% 5.50%
Large HMO Tracker Tracker Large HMO Tracker 4.05% (3.95% + BBR) 60% £30k £1.5M 2.00% 5.50%
Tracker Large HMO Tracker 4.10% (4.00% + BBR) 70% £30k £1.5M 2.00% 5.50%
First Time Landlord Small HMO Small HMO 2 Year Fixed First Time Landlord Small HMO Small HMO 2 Year Fixed 3.39% 70% £30k £1.0M 1.50% 5.50%
Small HMO 5 Year Fixed First Time Landlord Small HMO Small HMO 5 Year Fixed 3.69% 70% £30k £1.0M 1.50% 3.69%
There are no products available matching the selected criteria. Please adjust the filters above to see what range of products we offer or speak to your BDM for further criteria questions.
3 months LIBOR repriced on the 1st April 2021 at 0.08%. BBR repriced on the 1st April 2021 at 0.10%.
Cashback will be paid directly to the borrower once the first mortgage payment is received.

Our Application Fees - Valuation and Administration

Standard Small HMO Large HMO/MUFB
Up to £150,000 £230 (+£150 admin fee) £550 (+£150 admin fee) £875 (+£150 admin fee)
£150,001 - £200,000 £255 (+£150 admin fee) £580 (+£150 admin fee) £875 (+£150 admin fee)
£200,001 - £250,000 £285 (+£150 admin fee) £580 (+£150 admin fee) £950 (+£150 admin fee)
£250,001 - £300,000 £340 (+£150 admin fee) £580 (+£150 admin fee) £1025 (+£150 admin fee)
£300,001 - £400,000 £395 (+£150 admin fee) £650 (+£150 admin fee) £1200 (+£150 admin fee)
£400,001 - £500,000 £450 (+£150 admin fee) £750 (+£150 admin fee) £1325 (+£150 admin fee)
£500,001 - £600,000 £510 (+£150 admin fee) £790 (+£150 admin fee) £1450 (+£150 admin fee)
£600,001 - £700,000 £560 (+£150 admin fee) £860 (+£150 admin fee) £1575 (+£150 admin fee)
£700,001 - £800,000 £640 (+£150 admin fee) £930 (+£150 admin fee) £1700 (+£150 admin fee)
£800,001 - £900,000 £700 (+£150 admin fee) £1000 (+£150 admin fee) £1825 (+£150 admin fee)
£900,001 - £1,000,000 £790 (+£150 admin fee) £1090 (+£150 admin fee) £1950 (+£150 admin fee)
£1,000,001 - £1,200,000 £895 (+£150 admin fee) Quote Quote
£1,200,001 - £1,400,000 £1050 (+£150 admin fee) Quote Quote
£1,400,001 - £1,600,000 £1205 (+£150 admin fee) Quote Quote
£1,600,001 - £1,800,000 £1410 (+£150 admin fee) Quote Quote
£1,800,001 - £2,000,000 £1670 (+£150 admin fee) Quote Quote
Over £2,000,000 Quote Quote Quote
A large HMO will be classed as any property with more than 6 bedrooms. Where there are 7 occupants in a 6 or less bedroom HMO the large HMO scale may be used. If the surveyor deems the property to be of certain complexity, a quote will be required, which may result in an additional charge.