HMO Mortgages in Peterborough

Financing a shared rental property brings different questions from a standard buy-to-let purchase. The number of tenants, property layout and licensing requirements can all affect your mortgage options. We help you understand what lenders are looking for before you apply.

At Bespoke Mortgage & Finance Centre, we provide advice on HMO mortgages in Peterborough, helping landlords find finance suited to their property and circumstances.

Check out our reviews

Based on [testimonials_count] Google Reviews

    
 
 
       Posted on Google  
   
   tony peluso 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have used Tony for mortgage advice for many years, and he has also helped several members of my family during that time. He has always been extremely professional, knowledgeable and approachable, taking the time to explain everything clearly and making the whole process as straightforward and stress-free as possible.

The fact that I have been happy to recommend Tony to my own family probably says more than anything else. He is someone I trust completely and I wouldn’t hesitate to recommend him to anyone looking for mortgage advice.
  
 
      Posted on Google  
   
   Chloe Baker 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony and his team are brilliant. Tony is always organised and strives to get the best possible rates! I feel like Tony and his team have his best interests at heart!
  
 
      Posted on Google  
   
   Carrie Lloyd 
 
 
 
 Trustindex verifies that the original source of the review is Google. After my experience with Bespoke on two separate mortgage, I wouldn’t go to anyone else. My life was a complicated journey and not easy to obtain a mortgage after living abroad for years. But Tony was able to go above and beyond, knowing with decades of experiences which lender was the most suitable for their client. Their name Bespoke is not just a marketing trick, they live this out for every person who seeks their advice. They helped my dreams come true and lead with excellence, optimism and integrity. Don’t use anyone else, this company is second to none.
  
 
      Posted on Google  
   
   Louie McGowan 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team at Bespoke were absolutely sensational. They made things happen that others had struggled to do, whilst keeping us calm and collected with continuous support and guidance throughout the process.

We look forward to working with the team again in the future and would be more than happy to recommend their services to anyone. Thank you again guys!
  
 
      Posted on Google  
   
   NicChrisdamms Damms 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony has always offered me fantastic service for over 15 years now . As a company, I feel Bespoke always goes above and beyond. I would not have a single hesitation in recommending them for your mortgage requirements
  
 
      Posted on Google  
   
   Liz Dolman 
 
 
 
 Trustindex verifies that the original source of the review is Google. We have used Tony from Bespoke Mortgage and Finance Centre since 2014 and would highly recommend Tony.  Very thorough and explains everything to you.
  
 
      Posted on Google  
   
   David Wilson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding service from Bespoke. I had a previous mortgage broker who selfishly got deals that were right for her rather than my  requirements, and her greed ended up with all 3 property remortgages falling through and failing the stress test. Tony and the team expertly repaired the applications with the correct re-mortgage products  and applicable terms. Communication was reassuring during that uncertain time with regular check points and updates. The professionalism and efficiency was first class and I would not use anyone else moving forwards!
  
 
      Posted on Google  
   
   Denise Dodd 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
      Posted on Google  
   
   Chris Ruggiero 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony and the team at Bespoke Mortgages are absolutely fantastic. I consistently return to Tony for support when trying to organise Mortgages and he always pulls through!
  
 
      Posted on Google  
   
   Craig 
 
 
 
 Trustindex verifies that the original source of the review is Google. We've been using Tony and the team at Bespoke Mortgage Centre for years. Down to earth and professional, truly a company I can trust and recommend to friends and family for any mortgage or finance needs. First Class Service every time.

THE BMFC APPROACH

Match Your HMO to Suitable Lenders with BMFC

HMO lenders can take different approaches to room numbers, tenancy arrangements, landlord experience and rental income. We review these details before selecting suitable options from a range of lenders.

Our team explains the rates, fees and conditions behind the recommendation and helps prepare the supporting paperwork. By considering the property and your circumstances together, we help you understand what to resolve before an application proceeds.

BEFORE YOU APPLY

Your questions answered

Explore the details that matter to your decision.

If you would like to discuss your own circumstances, our advisers are here to help.

What Counts as an HMO?

An HMO is generally a property occupied by at least three people from more than one household who share facilities such as a kitchen or bathroom. This can include shared accommodation for students or working professionals.

A household may be one person or members of the same family living together.

What Do HMO Lenders Assess?

Alongside your credit history and finances, lenders may assess the number of bedrooms, tenancy arrangements, landlord experience and licensing status. Their valuation requirements can also differ from those for a standard rental property.

This means a mortgage suitable for one HMO may not suit another.

Will My HMO Need a Licence?

In England, HMOs occupied by five or more people from two or more households who share facilities generally require a mandatory licence.

In Peterborough, an additional licensing scheme also covers shared HMOs occupied by three or four people from more than one household. Check with Peterborough City Council which licence applies to your property before committing to a purchase.

Licensing and any planning requirements should be considered separately from mortgage approval.

This information is correct as at the date of publication: 21/10/2026. Please contact us for up-to-date details.

YOUR NEXT STEP

Discuss Your HMO Plans with Our Advisers

Tell us about the property and what you want to achieve. Our team will help you explore suitable HMO mortgage options and understand the next steps.

Your property may be repossessed if you do not keep up repayments on your mortgage.

The FCA does not regulate some forms of buy to let mortgages.

East Midlands / Peterborough:

01733 331 603

East Anglia / Cambridge:

01223 987422

HMO Mortgages