What is Smart Search
why choose us
-
DESKTOP VALUATION UP TO £2M
-
MAX LOAN UP TO £3M
-
NO MIN LOAN SIZE
-
DECISION MAKERS
-
TERMS WITHIN HOURS
HMO Bridging Loans
At MS Lending Group, we understand the pace of the London property market, and our specialist bridging loan products are designed to provide fast capital for HMO acquisitions.
What is HMO Bridging Finance in London?
If you’re a property investor or developer looking to unlock the potential of Houses in Multiple Occupation (HMOs) across the capital, HMO bridging finance London could be the smart funding solution to kick off your investment plans.
At MS Lending Group, we understand that the London property market is ever growing and thus ever more complicated when it comes to residential or commercial sales. That is why our specialist bridging loan products are designed to provide fast capital for not just HMO acquisitions, but the conversion of such and their further developments.
A popular method of investment is snapping up a distressed opportunity, it could be at auction or the need for short-term funding to bridge to a longer-term finance solution.
No matter the nuances of the situation itself, our tailored HMO commercial finance options help you move quickly and secure profitable assets in one of the UK’s most competitive markets.
How HMO Commercial Finance Works
Simply, HMO commercial finance works by providing short-term capital typically from a few weeks up to 18 months to fund the purchase of the property itself or the improvement of an HMO property.
The key difference is that this is a loan in London that is secured against the property itself, and terms are agreed based on the property’s post-development value, the anticipated rental income, and ultimately your intended exit plan.
Borrowers often choose to refinance into a commercial mortgage, sell the completed property after renovations, or refinance into long-term HMO finance once the property is filled with tenants and is producing an income.
Benefits of Using HMO Development Finance in London
One of the primary benefits of HMO development finance in London is the speed in which you’re able to get sales off the ground.
Ultimately, in a market where high-yield opportunities are often snapped up within days, having access to that fast, reliable capital that your competitors can’t compete with can be the edge you need.
Bridging loans are typically arranged far more quickly than traditional commercial mortgages. This is because they’re specifically designed to be short-term, a huge benefit in itself.
This allows you to make competitive offers and secure property before other investors can act.
This speed doesn’t come at the expense of transparency, in fact it is quite the opposite, our team ensures you understand all costs, terms, and exit strategy implications before you proceed.
Flexibility is, ofcourse one of the huge attractions of bridging for HMO commercial finance, as it can be tailored to cover the full purchase price, a portion of refurbishment costs, or both, depending on your project needs.
This level of flexibility makes bridging finance ideal for an array of conversions from multi-unit HMOs to upgrading existing HMOs to increase rental income.
By aligning funding with your project timeline, you maintain control over development phases and can efficiently manage budgets and schedules.
Additionally, securing HMO finance through a specialist lender like MS Lending Group allows you to benefit from our sector expertise and London market insight.
This shouldn’t be overlooked as we’re able to take into account local rental demand, typical yields in different boroughs, and regulatory considerations that could impact your project.
This results in smarter financing decisions and better outcomes for your investment.
Why Choose MS Lending Group for HMO Commercial Finance in London
Choosing the right finance partner is crucial, it is no secret that HMO bridging finance London can be daunting if it is a new business venture.
At MS Lending Group, we offer tailored solutions backed by years of experience in commercial property finance, with a particular focus on bridging and development lending.
Choose us for clear communication regarding your HMO project in London and a process that puts your investments first.
From initial enquiry through to completion, our specialist team provides responsive support and expert advice on HMO development finance products. Call us today on 0161 823 7993 for more information on how we can help.
frequently asked questions
sales team
READY TO MAKE AN APPLICATION?
Submit our application form or speak to one of our team members if you have any questions
client testimonials
Pretty seamless experience. Speed of underwriting was top notch, knowledge of loan (security and product) was clear and thorough, and the appetite to lend was excellent.
Even when the underwriting process stalled (borrower-side delays), regular check-ins from the team to make sure everything was okay meant that the deal was kept alive and well so that when the borrower was in a position to complete, there were no delays.
BROKER
MS Lending Group pulled it out the bag once again! When they say they’ll deliver, you can absolutely trust that they will!
This was one of those cases where everything came down to the wire. The MS Lending Group team stepped up brilliantly, taking a proactive, common-sense approach and working tirelessly to make sure we got it over the line.
Their calm under pressure, responsiveness, and determination to find solutions made all the difference. It’s always a pleasure working with professionals who genuinely care about helping brokers and clients achieve the right outcome.
BROKER
The case was submitted with a really tight deadline, so needed clear communication and speed throughout.
The team worked really hard to complete this case in time for the applicant. They were communicative, efficient and motivated to get our application over the line.
We were really impressed with the service from start to finish and wouldn’t hesitate to use MS Lending Group or future cases!
BROKER
Speed and efficiency were absolutely top-notch, and communication was first class.
The solicitors were excellent too, keeping things moving without a hitch!
BROKER
Our client called in an extreme sense of panic as he was approaching the end of his notice period on which he had exchanged on and was at risk of losing a hefty deposit.
Given this, the only lender who would meet the deadline with a desktop valuation was MS Lending Group.
The whole process was extremely efficient, quick and smooth!
BROKER
Super fast service! The application was sent on a Tuesday evening, the desktop valuation was done quickly, and funds released on the Friday, so extremely happy!
BROKER
Fast turnaround times, excellent responsiveness, and outstanding customer care are consistently delivered by the team at MS Lending Group.
Having completed five deals within a short space of time, I have nothing but positive feedback.
There is always a solution-driven approach to getting the deal over the line!
BROKER
Fantastic service – application to completion in 12 working days!
Auction purchase with a 15-day completion time on a semi-commercial property. The ability to use a desktop valuation along with the speed of the underwriting meant a great result for the client.
BROKER
The communication throughout the entire process was outstanding.
The team were incredibly responsive, answering all questions promptly and providing regular updates on the status of my application.
I never felt left in the dark, the application process was straightforward and well organised.
BROKER
Excellent speed and response times to all queries.
With a very tight timescale for the client, all parts of the operation pulled together to get there in a very small amount of time!
I cannot fault anything with the whole process!
BROKER
MS Lending Group were phenomenal as always!
The ‘get the deal done’ ethos is (with a lot of lenders) exactly what is missing in bridging, but not with MS Lending Group.
A common-sense approach over the tick-box exercise mentality applied by some is refreshing to say the least! The staff are great too, really friendly and helpful!
BROKER
Communication with everyone at MS Lending Group, in particular Mike Watson, was exceptional.
Clear, concise, common-sense approach to all queries raised and a very fast process with no delayed SLA queues.
17 days, including weekends, from application to completion!
BROKER
Communication is always exemplary with the team at MS Lending Group.
I really value the relationship that we have and the continued support that we get to help our clients.
BROKER
The service was amazing! From the start of the deal with Adam to the application team, everything was so smooth!
The requirements asked for were completely reasonable, and everything was reviewed within a 2-hour turnaround time (if not hours)!
The whole process from start to finish was outstanding, especially on such a sensitive case.
BROKER
The Speed and communication from the team at MS Lending Group, from the Relationship Managers, through to the Underwriters, was top-notch.
The ability to use a desktop valuation on a £1.2m property was the key to recommending MS Lending Group since we’d already lost a few weeks on an auction purchase after the all too familiar back and forth with a very cautious Underwriter for another lender.
BROKER
The customer service throughout.
The communication was excellent. Was never left waiting for a response.
The turn around. It was a matter of less than a week once everything was provided.
BROKER
As always, second to none service from MS Lending Group.
Speed, service, simplicity as is the MS Lending Group way.
Special shout out to Sam Bryce and Aimee Everton who were on top form throughout with updates, requests and another on-time completion!
BROKER
Most recently, a client of ours had been let down from their lender at the very last minute. They were really up against it in terms of time, and typically this business would have been lost. Knowing MS Lending Group entered the market with a no valuation necessary product up to £500,000, we quickly got in touch.
MS Lending Group approved the transaction within 24 hours, instructed solicitors, and the client was able to complete before their completion date. It was refreshing to see such a new business working in a slick and professional way.
BROKER
The communication and speed have been second to none. There seems to be many touch points by both the sales team and underwriter throughout which has kept the deal moving at pace throughout.
It really helps when all sides are communicating and are motivated in getting the deal done.
BROKER
The service was amazing! From the start of the deal with Adam, to the application team, everything was so smooth!
The requirements asked for were completely reasonable and everything was reviewed within a 24 hour turnaround time (if not hours)!
The whole process from start to finish was outstanding, especially on such a time sensitive case.
BROKER
case studies
Muti-unit Commercial Purchase in Derby
- locationDerby
- funded£642,250
- ltv70%
- product Commercial
Property Developer Portfolio Addition
- locationManchester
- funded£103,500
- ltv75%
- product Commercial Residential
No Valuation Auction Purchase in Plymouth
- locationPlymouth
- funded£120,400
- ltv83%
- product Commercial
Large Commercial Bridging Loan Secured in Berkshire
- locationBerkshire
- funded£1,425,000
- ltv52.2%
- product Commercial
No Valuation Auction Bridging Loan Secured in London
- locationlondon
- funded£323,250
- ltv75%
- product Commercial
Desktop Commercial Auction Purchase in Scotland
- locationFife
- funded£91,000
- ltv70%
- product Commercial
news & Insights
Fast Bridging Finance: How to get quick funding
What Happens If Your Bridging Loan Exit Fails
