HMO Mortgages & Financing in Maidstone

Thinking of buying or converting a House in Multiple Occupation (HMO) in Maidstone? Whether you’re an experienced landlord or exploring your first HMO investment, we help you find the right mortgage to suit your property and strategy.

At Mortgage Broker Maidstone, we connect landlords and developers across Maidstone, Bearsted, Kings Hill, Aylesford and the wider Kent area with FCA-regulated mortgage advisers who understand the complexities of HMO finance.

What Is an HMO?

A House in Multiple Occupation (HMO) is typically a property rented to three or more unrelated individuals who share facilities like kitchens or bathrooms. Examples include student lets, shared houses for professionals, or subdivided larger homes.

Because HMOs involve higher yields and stricter management, they often require specialist mortgage products with specific criteria.

We Help With:

• 🏠 Purchasing new HMO properties (licensed or unlicensed)
• 🔧 Financing refurbishments and HMO conversions
• 🏢 Limited company and SPV structures
• 📄 Navigating lender requirements and planning/licensing rules
• 🧑‍💼 Connecting you with HMO-savvy, FCA-regulated advisers

What Do Lenders Look For?

HMO mortgage criteria vary significantly, but common factors include:

• Property type: Number of rooms, layout, and compliance with fire safety/HMO standards
• Borrower profile: Landlord experience (some lenders require prior BTL ownership)
• Licensing: Larger HMOs usually need a licence from Maidstone Borough Council
• Rental income: Most lenders apply a rental stress test to assess affordability

We can help match your situation to lenders most likely to approve your application.

Why Invest in HMOs in Maidstone?

Maidstone has a growing demand for affordable shared housing — particularly from young professionals, contractors, and key workers. With strong yields (often 6%+), HMOs can offer significantly better returns than standard single-let properties.

Areas near the town centre, train stations, and the hospital are particularly popular for HMO tenants.

Next Steps

HMO finance can be complex — but we make the process simple. Our local partners provide clear advice and ongoing support, so you feel confident in every decision.

• 📚 Learn more via our Mortgage Blog
• 🧮 Run some numbers with our Mortgage Calculators
• 📞 Get in touch to speak with an HMO mortgage adviser

Whether you’re funding a conversion, refinancing an existing HMO, or scaling your portfolio — we’re here to help you find the right financing solution in Maidstone and beyond.