HMO Mortgages & Co-Living Finance in Chelsea

Specialist HMO and co-living finance for Chelsea, South Kensington and SW3 / SW10.

Prime central London HMOs and co-living schemes in Chelsea, South Kensington and Fulham require careful structuring and lenders that understand higher-value multi-let assets.

We help you understand the lending landscape and, where advice is required, introduce you to FCA-authorised HMO and portfolio mortgage advisers.

HMO & Co-Living in Chelsea

• High-spec house shares with en-suites and shared amenities.
• Multi-let properties aimed at professionals and international tenants.
• Assets approaching commercial or semi-commercial underwriting.

Finance Options

• Specialist HMO mortgages for prime properties.
• SPV limited company lending for structured portfolios.
• Bridging & refurbishment finance for significant alterations.
• Access to specialist and private banks via FCA-authorised advisers.

Key Lender Focus

Property & Tenants

• Location, specification and licensing status.
• Tenant profile and rent levels.
• Management arrangements and track record.

Valuation & Loan Size

• Bricks & mortar vs investment valuation.
• Maximum loan sizes per lender.

Our Role & Disclaimer

We do not provide regulated mortgage advice. Instead, we:

• Talk through your Chelsea HMO or co-living plans.
• Introduce you to FCA-authorised advisers experienced with higher-value and complex cases.
• Help you align mortgage planning with your broader property and retirement goals.

Useful Links

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

HMO FAQs — Chelsea

Can I use a private bank for HMO lending?

Possibly, depending on income, assets and loan size. A regulated adviser can discuss options across mainstream, specialist and private lenders.

Next Steps

If you’re developing or refinancing an HMO in Chelsea or SW3/SW10, get in touch and we’ll help you take the next step.