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why choose us
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DESKTOP VALUATION UP TO £2M
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MAX LOAN UP TO £3M
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NO MIN LOAN SIZE
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DECISION MAKERS
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TERMS WITHIN HOURS
HMO Bridging Loans
MS Lending Group provides HMO Bridging Finance, our tailored solutions empower property landlords, investors and developers in the fast growing popularity of House in Multiple Occupation (HMO) investments
What HMO Bridging Finance Is & What It’s Used For
HMO bridging finance is a short-term loan designed specifically for investors in House in Multiple Occupation properties.
Unlike traditional mortgages, bridging finance provides rapid access to funds, helping investors quickly secure and develop HMO properties without the long wait times often associated with standard financing or traditional mortgages.
This type of loan is particularly useful for:
- Quick purchases: When you need to act fast to secure a HMO property time is of the essence, bridging finance can provide the funds within days.
- Refurbishments and upgrades: Bridging loans can cover costs for renovations, allowing you to enhance the property’s value and rental potential.
- Auction purchases: HMO bridging finance enables you to take advantage of auction opportunities, where quick funding is essential to act reactively.
HMO bridging loans make the perfect fit for anybody looking to invest without waiting around, we understand the frustration that may come with waiting for more traditional funding paths.
But, the good news is, you don’t need to take this route anymore, that is precisely why we are here.
We are here to ensure investors big or small, whether it is your first property or not, get to seize opportunity. Never miss another chance to capitalise on HMO properties with our help, get in touch to find out how we can discuss a personalised quote.
Eligibility of a HMO Bridging Loan
To be eligible for an HMO bridging loan with MS Lending Group, there are a few criteria to consider. We take every client on a case by case basis, since we are dealing with such large scale projects it is important that we take into consideration the likes of repayment schedules, affordability and exit strategies.
That being said, while the criteria may apply to you and your background, there are areas that are concerned by the property itself. For example, some things to consider include, but aren’t limited to:
- Type of property: We provide funding for a variety of HMO properties, from single units to larger multi-tenant buildings.
- The amount of borrowing: We offer flexible loan amounts to cater to different project sizes, ensuring that your investment gets the necessary financial support.
- Repayment / exits strategy: You should have a clear exit strategy in place, such as selling the property, refinancing, or converting to a long-term mortgage.
Our team will guide you through the eligibility assessment, making sure you understand all the requirements and can proceed with confidence.
Why Choose Us for Your HMO Bridging Finance?
At MS Lending Group we provide speed and efficiency, recognising the time sensitivity of property transactions, especially in the context of HMO finance.
Our streamlined application process and efficient approval system ensure you receive the funds you need promptly.
As all HMO projects vary in scope and size we offer tailored terms that benefit from flexible terms that allow you to customise repayment schedules and structures based on your project’s unique requirements.
Our competitive interest rates provide you with cost-effective financing to enhance the profitability of your HMO projects, making us a great choice for HMO finance. Plus, we offer HMO commercial finance depending on your specific situation and requirements.
We also offer expert guidance that helps you when navigating the HMO market, with experienced professionals who provide guidance and support at every step of the way. It doesn’t matter if this is your first time availing of HMO finance or if you’re a seasoned investor, we’ve got you covered.
At MS Lending Group we value transparency as we believe in transparent open communication. Our commitment to honesty means you can rely on clear terms without hidden fees or surprises, a key factor in successful HMO bridging finance.
Benefits of Bridging Finance for HMO Investments
The benefits of bridging finance for HMO investments span wide. We are proud to help and have helped numerous investors reach their goals and expand their portfolio by granting them the opportunity to act reactively in a competitive market.
Opting for HMO bridging finance brings several advantages, including but not limited to:
- Fast Funds: Fast access to funds, often within a few days, so you can act on opportunities without delay.
- Flexibility: Suitable for a range of HMO projects, including refurbishments and expansions.
- Short-term solution: Bridging loans are ideal for covering the gap between purchasing and longer-term financing, such as traditional mortgages.
- Tailored terms: Customisable repayment structures to fit your project timelines and budget, giving you more control over your investments.
If you’re looking to reap these benefits, then count on us at MS Lending Group to provide them, contact us today to find out more.
How to Start your HMO Investment Journey
The first step is to get in touch with us at MS Lending Goup today to arrange a consultation to discuss your project and financing needs with our expert team.
The second step for you is to complete our application process for an eligibility assessment. Once this is approved all that’s left to do is finalise the terms and receive funds in a timely manner for your HMO finance needs.
Our efficient speed allows you to put your HMO bridging finance to work normally within a few days, allowing you to bring your investment plans to life with the help of our specialised solutions.
Don’t let financing constraints limit your potential, partner with MS Lending Group and unlock the power of our HMO bridging finance solutions, today.
frequently asked questions
READY TO MAKE AN APPLICATION?
Submit our application form or speak to one of our team members if you have any questions
client testimonials
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
Using Bridging Loans to Remortgage Your Commercial Property
Specialist Lending for Social Housing and HMOs: What You Need to Know
Short-Term Bridging Finance: Your Options Explained