House of Multiple Occupation HMO 1- 6 Bed: Top 5 Limited Company BTL lenders for maximum loan and Lowest fee
Access exact rates, lender fees, and professional stress-test calculations for All types of property investments. Updated daily to reflect the latest Rates.
| 20/10/2026 | HMO: Top 5 Lenders with Highest Loan | ||||
| 2 YEAR FIXED | Product | Pay Rate | LTV | ||
| Molo Finance | AXM BTL Purchase / Remort 2 Y Fix 6.5% Fee Specialist HMO/MUFB Ltd Co SPV | 6.5% | 3.66% | 75.00% | Check All Products |
| CHL Mortgages | CHL 1 AXM BTL Purchase / Remort 2 Y Fix 7.00% Fee Small HMO/MUFB (LTD/SPV CO.) Limited Edition | 7.00% | 3.70% | 75.00% | Check All Products |
| Keystone | AXM BTL Purchase / Remort 2 Y Fix 7% Fee Specialist HMO/Multi-unit LTD / SPV Co’s | 7% | 3.94% | 70.00% | Check All Products |
| Vida Homeloans | INTM AXM BTL Purchase / Remort 2 Y Fix 5% Fee HMO & MUB’s SPV LTD Company (VIDA 36) | 5% | 3.98% | 75.00% | Check All Products |
| West One Loans | AXM BTL Special W1 2 Y AXM BTL Purchase / Remort Fix 7% Fee Small | HMO/MUFB | LTD Co SPV | 7% | 3.94% | 65.00% | Check All Products |
| Average: | 3.84% | ||||
| 5 YEAR FIXED | |||||
| West One Loans | AXM BTL Special W1 5 Y AXM BTL Purchase / Remort Fix 9.99% Fee Small | HMO/MUFB | LTD Co SPV | 9.99% | 5.04% | 65.00% | Check All Products |
| Kensington Mortgages | AXM BTL Purchase / Remort 5 Y Fix 5% Fee Prime HMO/MUFB Ltd Co SPV | 5% | 5.09% | 75.00% | Check All Products |
| Moda Mortgages | Prime AXM BTL / Purchase / Remort 5 Y Fix 7% Fee HMO and MUFB LTD Co. SPV Limited Edition | 7% | 5.24% | 75.00% | Check All Products |
| Aldermore Mortgages | AXM BTL LTD/SPV COMPANY 5 Y Fix 7% Fee Multi Property HMO Purchase | 7% | 5.14% | 75.00% | Check All Products |
| Vida Homeloans | INTM AXM BTL Purchase / Remort 5 Y Fix 7% Fee SPV LTD Company HMO & MUB’s (VIDA 36) | 7% | 5.37% | 75.00% | Check All Products |
| Average: | 5.18% | ||||
| 20/10/2026 | HMO: Top 5 Lenders with lowest Fees | ||||
| 2 YEAR FIXED | Product | Pay Rate | LTV | ||
| Family Building Society (NCBS) | AXM BTL HMO SPV LTD Company 2 Y Fix 1% Fee Purchase | 1% | 6.64% | 75.00% | Check All Products |
| The Mortgage Works | INTM AXM BTL Purchase LTD / SPV 2 Y Fix 3% Fee HMO | 3% | 4.49% | 75.00% | Check All Products |
| Fleet Mortgages | EPC A-C AXM BTL Purchase / Remort 2 Y Fix 3.00% Fee HMO/MUFB SPV LTD Company £1000 Cashback | 3.00% | 5.09% | 75.00% | Check All Products |
| Landbay | AXM BTL Purchase / Remort 2 Y Discount Tracker 3.00% Fee Premier Small HMO/MUFB (LTD / SPV/LLP) | 3.00% | 4.39% | 75.00% | Check All Products |
| MT Finance | AXM BTL Purchase / Remort 2 Y Fix 5% Fee Small HMO LTD COMPANY | 5% | 5.05% | 75.00% | Check All Products |
| Average: | 5.13% | ||||
| 5 YEAR FIXED | |||||
| Family Building Society (NCBS) | AXM BTL HMO SPV LTD Company 5 Y Fix 1% Fee Purchase | 1% | 6.59% | 75.00% | Check All Products |
| Saffron BS | INTM AXM BTL Purchase / Remort 5 Y Fix £2500 Fee Ltd Co SPV HMO Purchase / Remo | £2500 | 6.37% | 75.00% | Check All Products |
| The Mortgage Works | INTM AXM BTL Purchase LTD / SPV 5 Y Fix 3% Fee HMO | 3% | 5.22% | 75.00% | Check All Products |
| Fleet Mortgages | EPC A-C AXM BTL Purchase / Remort 5 Y Fix 3.00% Fee HMO/MUFB SPV LTD Company £1000 Cashback | 3.00% | 5.59% | 75.00% | Check All Products |
| United Trust Bank | Specialist AXM BTL Purchase / Remort 5 Y Fix 5% Fee LTD Co. SPV HMO/MUB | 5% | 6.29% | 75.00% | Check All Products |
| Average: | 6.01% | ||||
Historical
| 20/09/2026 | HMO: Top 5 Lenders with Highest Loan | ||||||
| 2 YEAR FIXED | Product | Max Loan with Fee | Fee /£ | Pay Rate | LTV | Interest Only | Capital Repay |
| CHL Mortgages | CHL 1 AXM BTL Purchase / Remort 2 Y Fix 7.00% Fee Small HMO/MUFB (LTD/SPV CO.) Limited Edition | £174,545 | £12,218 | 3.05% | 75% | £412.58 | £774.00 |
| Molo Finance | AXM BTL Purchase / Remort 2 Y Fix 6.5% Fee Specialist HMO/MUFB Ltd Co SPV | £174,545 | £11,345 | 3.34% | 75% | £454.24 | £803.08 |
| Rely Mortgages | AXM BTL Purchase / Remort LTD Company 2 Y Fix 5% Fee HMO/MUFB (1-6 Units) Limited Edition | £174,545 | £8,727 | 3.69% | 65% | £509.89 | £847.12 |
| Vida Homeloans | INTM AXM BTL Purchase / Remort 2 Y Fix 5% Fee HMO & MUB’s SPV LTD Company (VIDA 36) | £170,515 | £8,526 | 3.63% | 75% | £490.02 | £822.29 |
| Moda Mortgages | Prime AXM BTL / Purchase / Remort 2 Y Fix 5.5% Fee HMO and MUFB LTD Co. SPV | £167,247 | £9,199 | 3.74% | 65% | £492.59 | £811.72 |
| Average Top 5: | £172,279 | £10,003 | 3.49% | ||||
| 5 YEAR FIXED | HMO: Top 5 Lenders with Highest Loan | ||||||
| Moda Mortgages | Prime AXM BTL / Purchase / Remort 5 Y Fix 7% Fee HMO and MUFB LTD Co. SPV Limited Edition | £198,347 | £13,884 | 4.84% | 75% | £744.00 | £1,061.23 |
| Rely Mortgages | AXM BTL Purchase / Remort LTD Company 5 Y Fix 5% Fee HMO/MUFB (7+ Units) Limited Edition | £193,939 | £9,697 | 4.95% | 65% | £760.00 | £1,071.70 |
| Aldermore Mortgages | AXM BTL LTD/SPV COMPANY 5 Y Fix 7% Fee Multi Property HMO Purchase | £192,709 | £13,490 | 4.79% | 75% | £715.38 | £1,025.89 |
| Kensington Mortgages | AXM BTL Purchase / Remort 5 Y Fix 5% Fee Prime HMO/MUFB Ltd Co SPV | £192,000 | £9,600 | 4.94% | 75% | £750.88 | £1,059.93 |
| Vida Homeloans | INTM AXM BTL Purchase / Remort 5 Y Fix 7% Fee SPV LTD Company HMO & MUB’s (VIDA 36) | £189,349 | £13,254 | 5.07% | 75% | £744.00 | £1,036.63 |
| Average Top 5: | £193,269 | £11,985 | 4.92% | ||||
| 20/09/2026 | HMO: Top 5 Lenders with lowest Fees | ||||||
| 2 YEAR FIXED | Product | Max Loan with Fee | Fee /£ | Pay Rate | LTV | Interest Only | Capital Repay |
| Family Building Society (NCBS) | AXM BTL HMO SPV LTD Company 2 Y Fix 1% Fee Purchase | £124,837 | £1,248 | 6.64% | 75% | £683.86 | £845.33 |
| The Mortgage Works | INTM AXM BTL Purchase LTD / SPV 2 Y Fix 3% Fee HMO | £105,657 | £3,170 | 4.49% | 75% | £383.47 | £569.08 |
| Pepper Money | AXM BTL Purchase / Remort Purchase 2 Y Fix 4% Fee HMO EPC A-E LTD / SPV Co £350 Cashback | £83,624 | £3,345 | 4.74% | 70% | £317.10 | £457.22 |
| Saffron BS | INTM AXM BTL Purchase / Remort 2 Y Discount 3% Fee Ltd Co SPV HMO Purchase / Remo | £121,673 | £3,650 | 5.89% | 75% | £579.30 | £752.51 |
| Foundation Home Loans | AXM BTL Purchase / Remort-F2 Large HMO 2 Y Fix 3% Fee LTD/SPV | £129,032 | £3,871 | 5.44% | 75% | £567.40 | £764.12 |
| Average Top 5: | £112,965 | £3,057 | 5.44% | ||||
| 5 YEAR FIXED | HMO: Top 5 Lenders with lowest Fees | ||||||
| Family Building Society (NCBS) | AXM BTL HMO SPV LTD Company 5 Y Fix 1% Fee Purchase | £145,675 | £1,457 | 6.59% | 75% | £792.00 | £981.90 |
| The Mortgage Works | INTM AXM BTL Purchase LTD / SPV 5 Y Fix 3% Fee HMO | £131,363 | £3,941 | 5.22% | 75% | £554.29 | £761.32 |
| Fleet Mortgages | EPC A-C AXM BTL Purchase / Remort 5 Y Fix 3.00% Fee HMO/MUFB SPV LTD Company £1000 Cashback | £171,257 | £5,138 | 5.39% | 75% | £746.15 | £1,009.24 |
| Saffron BS | INTM AXM BTL Purchase / Remort 5 Y Fix 3% Fee Ltd Co SPV HMO Purchase / Remo | £172,352 | £5,171 | 5.57% | 75% | £776.00 | £1,033.64 |
| Foundation Home Loans | AXM BTL Purchase / Remort-F2 Large HMO 5 Y Fix 4% Fee LTD/SPV | £156,352 | £6,254 | 6.14% | 75% | £768.00 | £979.97 |
| Average Top 5: | £155,400 | £4,392 | 5.78% | Source: axessmax.com | |||