Multi Units & HMOs

UK Resident individuals & Ltd Co SPV, HMO & Multi Unit properties up to 6 rooms/units.

To qualify for this product, Applicant 1 is required to hold 1 existing BTL property, with a minimum of 1 yrs market experience.

Interest Rates

Rate Type

Arrangement Fee

Up to 65% LTV

Up to 75% LTV

Reversion Rate

ERC

2 Year Fixed

2.25%

6.29%

6.39%

BOE + 5.5%

2/1%

5 Year Fixed

2.25%

6.29%

6.39%

BOE + 5.5%

5/4/3/2/1%

5 Year Fixed Ltd Edition (LE)

5.25%

5.79%

5.79%

BOE + 5.5%

5/4/3/2/1%

2 Year Discount Tracker (DT)

3.05%

BOE + 2.79%

BOE + 2.89%

BOE + 5.5%

1%/1%

Lifetime Tracker (LT)

2.80%

BOE + 3.89%

BOE + 3.94%

N/A

None

1% Cash Back available for purchases and remortgages

Rate Type

Arrangement Fee

75% LTV

Reversion Rate

ERC

Incentive

5 Year Fixed Cash Back

2.99%

6.39%

BOE + 5.5%

5/4/3/2/1%

1% of loan cash back. £99 app fee.

5 Year Fixed Cash Back Ltd Edition (LE)

5.99%

5.79%

BOE + 5.5%

5/4/3/2/1%

1% of loan cash back. £99 app fee.

2 Year Fixed ReMo – no additional rate loading for £4£

Rate Type

Arrangement Fee

75% LTV

Reversion Rate

ERC

Incentive

2 Year Fixed ReMo Only

2.25%

6.39%

BOE + 5.5%

2%1%

£99 app fee.

Maximum Loan

Multi-Units & HMOs Maximum Loan Maximum Loan (by area)
75% LTV £750,000 £1,500,000 within southern area postcodes
70% LTV (£ 4 £ Remo Only) £1,500,000 N/A
65% LTV £1,500,000 £2,000,000 within southern area postcodes

The completion fee can be added to the loan over and above the maximum LTV’s.

Multi Unit & HMO Specific Criteria Guide

Minimum Loan

£100,000

Maximum Loan
  • £1.5 Million to 65% LTV £2,000,000 within southern area postcodes
  • £1.5 Million to 75% LTV for properties in Southern area postcodes that qualify
  • £750,000 to 75% LTV for properties outside this area

Landlord Experience

Applicant 1 is required to hold 1 existing BTL property, with a minimum of 1 yrs market experience

Property Considered
  • Multi Unit Freehold Blocks up to 6 units held under a single freehold title (any size unit)
  • Multi Unit Freehold Blocks up to 6 units where utilities are shared, the LTV will be restricted to 65%
  • HMO’s up to 6 rooms – license required where the Local Authority demands it
  • HMO’s up to 6 rooms – maximum 6 tenants with individual APTs
  • HMO’s & MUB’s with any units under 30sqm – VAS valuation is required
  • HMO’s & MUB’s available up to 75% LTV & no requirements for landlords to own another HMO
  • Holiday Lets/Air BnB
  • Freehold houses in Northern Ireland

Lending Area

England, Wales & Northern Ireland

Solicitor Information

All solicitors acting for Quantum Mortgages must meet the following criteria or be approved by the credit committee:

  • Be authorised and regulated by the Solicitors Regulation Authority and registered with the Law Society
  • Hold a relevant accreditation
  • Have at least 3 partners in the practice

Quantum Mortgages are partnered with Movin Legal (conveyancing comparison portal). Register here

Southern area postcodes qualifying for larger loans; AL, BA, BH, BN, BR, BS, CB, CM, CO, CR, CT, DA, DT, E, EC, EN, GL, GU, HA, HP, IG, IP, KT, LU, ME, MK, N, NN, NW, OX, PO, RG, RH, RM, SE, SG, SL, SM, SN, SO, SP, SS, SW, TN, TW, UB, W, WD, WC.

Product guide v93 01/07/2026

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