Deal Overview

• Loan Amount: £675,000

• Facility Structure: HMO mortgage, 5-year fixed, interest-only

• Asset Type: Licensed 7-bed HMO in North London

​

Client Objective

The client, an experienced landlord, sought funding to refinance a fully tenanted, licensed HMO property generating a strong rental yield. The goal was to release equity for future acquisitions while locking in a competitive fixed rate.

​

Strategic Lending Partnership

We introduced a specialist lender with an appetite for complex HMO assets and professional landlords. The facility was structured on an interest-only basis with a 5-year fixed rate, and underwriting was based on rental income rather than personal affordability.

​

Efficiency & Impact

The refinance allowed the client to extract capital efficiently, reduce monthly payments, and strengthen their portfolio’s cash flow position. The lender’s understanding of HMO licensing and valuation nuances was key to securing favourable terms.

​

Collaborative Execution

We worked closely with the lender’s credit team, the valuer, and the client’s broker to ensure smooth processing. The facility was completed within 17 working days, enabling the client to move quickly on their next investment opportunity.