HMO Financing in Notting Hill

HMO Mortgages & Co-Living Finance in Notting Hill

Specialist HMO and co-living finance for Notting Hill, Holland Park and W11. Prime west London HMOs and co-living spaces attract strong demand – but they also demand careful structuring and lender selection. We support investors across Notting Hill, Holland Park, Bayswater and Ladbroke Grove with information and introductions to experienced HMO and portfolio advisers.

HMO & Co-Living in W11

  • High-end house shares aimed at professionals.
  • Shared properties with en-suite rooms and premium finishes.
  • Larger multi-let or mixed-use assets closer to commercial underwriting.

Finance Options

  • Specialist HMO buy-to-let mortgages.
  • SPV limited company HMO lending for portfolio structures.
  • Bridging & refurbishment finance for major reconfiguration.
  • Access to specialist & private lenders through FCA-authorised advisers.

Key Lender Focus Areas

Property & Tenants

  • Quality, layout and local licensing compliance.
  • Tenant type: City professionals, students, corporate lets.
  • Management arrangements and track record.

Valuation

  • Whether the lender uses bricks & mortar or investment/yield valuation.
  • Rental evidence and comparable properties.

Our Role & Disclaimer

We’re not authorised to provide regulated mortgage advice or recommend specific products. We:
  • Talk through your HMO or co-living plans.
  • Introduce you to FCA-authorised advisers used to higher-value and complex cases.
  • Help you consider mortgage strategy alongside wider property planning.

Useful Links

Buy-to-Let Mortgages · Commercial & Larger Loans · Remortgages · Contact Us

HMO FAQs — Notting Hill

Can high-value HMOs be financed on normal BTL terms?

Often they require specialist HMO or even commercial terms, especially at higher loan sizes or with complex layouts.

Discuss HMO Finance in Notting Hill

If you’re planning an HMO or co-living project in Notting Hill or W11, send us an enquiry and we’ll help you move forward.

🧮 Mortgage Calculator for Notting Hill Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

Contact Us Today - 08005 202 458

Please feel free to complete our form and one of our friendly team will happily contact you.


Thank you James for your efficient dealing of our remortgage. The regular communication and easy to follow steps of what you needed or what was outstanding, really helped me, as I had 4 mortgages happening at the same time.
Phil West
James worked tirelessly to get us over the line with a complicated commercial BTL mortgage. Highly recommend.
Paul H
They worked on a recent mortgage for my company and we were very pleased with the result. They managed to jump through a number of hoops caused by our slightly unconventional deal and pulled together a solution better than our expectations. Will be using again!
Luke Silk
Excellent experience when financing a buy to let auction property through James and the team were excellent to deal with and guided us through the whole process with no stress what so ever! Beths knowledge and professionalism is second to none!
Cath Jones

Mortgage Broker Notting Hill is an introducer service. We are not authorised or regulated by the Financial Conduct Authority and do not provide mortgage advice directly. All enquiries are handled by qualified, FCA-regulated mortgage advisers who offer tailored advice based on your individual needs.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

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NEXGEN Financial Services Limited (Company registration number: TBC) 

Mortgage Broker Notting Hill

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