🏘️ HMO Mortgages in Hastings

HMOs can deliver strong rental yields in Hastings and St Leonards, but lenders apply stricter criteria than for standard buy-to-lets. We help landlords meet requirements and prepare clean applications. Where a formal recommendation is required, we’ll connect you with an FCA-regulated adviser.

🛠️ Our Support

• 📋 Clarify HMO criteria, deposits and stress tests
• 🏢 Compare ownership routes (personal vs. SPV)
• 📂 Prepare required documents (ASTs, licences, rent comps)
• 🎯 Highlight lender appetite for professional vs. student HMOs

📋 Typical Requirements

• 💰 Deposit: 25–35%
• 👨‍💼 Experience: Prior landlord track record often expected
• 📊 Rental cover: Higher ICR thresholds than single lets
• 📜 Licensing: Local authority rules apply

📍 Local Notes

Hastings’ mix of student and professional tenants means demand is steady. Lenders focus on licensing, EPC and compliance; presenting clean evidence supports smoother approval.

❓ HMO FAQs

🏠 What counts as an HMO?

Three or more unrelated tenants with shared facilities typically qualifies.

📈 Can I get 75% LTV?

Often — though higher deposits broaden choice and sharpen rates.

📜 Do lenders need licence proof?

Yes — or evidence the application is in progress.

🏘️ What about large HMOs?

Specialist products are required for 6+ tenants or multiple kitchens/bathrooms.

🚀 Next Steps

Ready to move forward with an HMO in Hastings? 🏘️
Tell us your Hastings HMO plans and we’ll outline lender options and connect you with an FCA-regulated adviser.