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35% Loan to Value (LTV) HMO ReMortgages
What is a 35% Loan to Value (LTV) HMO ReMortgage?
An 35% Loan to Value (LTV) HMO ReMortgage is a product where an HMO lender allows a borrower, to borrow up to 35% of the HMO property value or purchase price.
This means the borrower is required to put in 65% cash or equity deposit, plus any purchase costs (stamp duty, legals, etc) to complete the HMO property transaction.
Top 10 Popular 35% Loan to Value (LTV) HMO ReMortgages
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How is an 35% Loan to Value (LTV) HMO ReMortgage calculated?
Loan to Value (LTV) is calculated as a percentage (%). It’s how much you’re looking to borrow versus the value of the property, you’re looking to purchase or remortgage. If you know how much you’ll need to borrow, just divide the mortgage amount by the value of the property. To use an example, £87,500 ÷£250,000 = 0.35. Then multiply that by 100 and you get 35% LTV.
Is 35% Loan to Value (LTV) a good remortgage choice for me?
LTV is important to think about because it determines the HMO mortgage rate, and affects how HMO mortgage lenders calculate whether the HMO mortgage is right for you. The lower your LTV, the lower the rates, and the more mortgage options you’ll have.
A 35% Loan to Value (LTV) HMO remortgage is at the lower end of the typical range. HMO lenders typically offer between 30% and 85% loan to value. With 35% LTV, you’ll have the maximum number of options to choose from, as it’s at the lower end of the scale and so you’ll be eligible for the cheapest rates and the best deals. It means you’ll pay a lower amount of interest over the long run compared to other higher loan to value products.
35% Loan to Value (LTV) HMO ReMortgage Benefits
Low Loan to Value
Allowing you to to raise a low loan amount
Lowest HMO Mortgage Rates
Monthly HMO mortgage payments will be the lowest possible
High # of Products Available
Access to every product in the HMO mortgage market
Other HMO Mortgage & ReMortgage Types
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CompareHMOMortgages.com, Geovation,F4 Sutton Yard, 65 Goswell Road, EC1V 7EN 0203 970 4113 hello@comparehmomortgages.com
CompareHMOMortgages.com provides a safe place for HMO property investors to get quotes from vetted, FCA authorised brokers and lenders. Since 2018 we've helped over 20,000 HMO property investors gain the professional mortgage advice they need. Thousands of HMO property investors still overpay for their HMO mortgages, be it through not having the best deal or not having their mortgage structured in an efficient manner. Thousands of pounds can be saved and financial freedom realised years earlier through having a better mortgage deal.
CompareHMOMortgages.com is a trading style of Mattison Capital Ltd. CompareHMOMortgages.com helps you find quotes for HMO mortgages by introducing you to FCA authorised companies. The content of this site is meant to be informational, and it should not be considered financial advice. Mattison Capital Ltd is a registered company in England and Wales. Company Number: 08952368. Data Protection Register Number: Z3488837.
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