Mortgage guide
HMO Mortgage No Experience: detailed guide
Discover your HMO mortgage options, even for those without experience in property. Market leading interest rates.
Seren Norton
CeMAP · FCA authorised firm
- Published
- 30 Mar 2026
- Last reviewed
- 30 Mar 2026
- Reading time
- 1 min
Can I get an HMO mortgage on a 10-bed HMO without experience?
Yes, it is possible to get an HMO mortgage on a 10-bed HMO without experience, but it comes with certain conditions. Lenders typically offer higher lending rates for such high-risk investments. You can expect a Loan-to-Value (LTV) ratio of up to 75%.
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