
Small HMO / MUFB
Up to 6 HMO Bedrooms / MUFB Units

Limited Editions
2 Year Fixed
Limited Edition
| LTV | Rate | Fee |
|---|---|---|
| 75% | 3.70% | 7% |
| 6.25% | 2% | |
| 80% | 4.90% | 5% |
- ERC: 3/2
- Revert rate: BBR* +4.99%
- ICR: Highest of 5.50%; or initial pay rate + 2%
5 Year Fixed
Limited Edition
| LTV | Rate | Fee |
|---|---|---|
| 75% | 5.51% | 7% |
| 6.56% | 2% | |
| 80% | 6.06% | 5% |
- ERC: 5/5/3/3/3
- Revert rate: BBR* +4.99%
- ICR: Pay rate
2 Year Fixed
| LTV | Rate | Fee |
|---|---|---|
| 65% | 3.84% | 7% |
| 4.84% | 5% | |
| 5.59% | 3.5% | |
| 6.34% | 2% | |
| 7.34% | 0% | |
| 75% | 3.90% | 7% |
| 4.05% | 7%
| |
| 4.90% | 5% | |
| 5.65% | 3.5% | |
| 6.40% | 2% | |
| 7.40% | 0% | |
| 7.55% | 0%
| |
| 80% | 5.00% | 5% |
| 5.75% | 3.5% | |
| 7.50% | 0% |
- ERC: 3/2
- Revert rate: BBR* +4.99%
- ICR: Highest of 5.50%; or initial pay rate + 2%
5 Year Fixed
| LTV | Rate | Fee |
|---|---|---|
| 65% | 5.81% | 7% |
| 6.21% | 5% | |
| 6.51% | 3.5% | |
| 6.91% | 2% | |
| 7.31% | 0% | |
| 75% | 5.91% | 7% |
| 6.04% | 7%
| |
| 6.31% | 5% | |
| 6.61% | 3.5% | |
| 7.01% | 2% | |
| 7.41% | 0% | |
| 7.54% | 0%
| |
| 80% | 6.41% | 5% |
| 6.71% | 3.5% | |
| 7.51% | 0% |
- ERC: 5/5/3/3/3
- Revert rate: BBR* +4.99%
- ICR: Pay rate
2 Year Tracker
| LTV | Rate | Fee |
|---|---|---|
| 75% | 3.95% (BBR* + 0.20%) |
5% |
| 5.35% (BBR* + 1.60%) |
2% |
- ERC: N/A
- Revert rate: BBR* +4.99%
- ICR: Highest of 5.50%; or initial pay rate + 2%

For Large HMO/MUFB see CHL 2
NOTE: Any HMO which would require considerable alteration to sell as a family home or any MUFB which is ‘hybrid’ (containing a HMO element) classifies as Large HMO/MUFB.

Small HMO / MUFB
Up to 6 HMO Bedrooms / MUFB Units
2 Year Fixed
| LTV | Rate | Fee |
|---|---|---|
| 65% | 3.94% | 7% |
| 4.94% | 5% | |
| 5.69% | 3.5% | |
| 6.44% | 2% | |
| 7.44% | 0% | |
| 75% | 4.00% | 7% |
| 4.15% | 7%
| |
| 5.00% | 5% | |
| 5.75% | 3.5% | |
| 6.50% | 2% | |
| 7.50% | 0% | |
| 7.65% | 0%
| |
| 80% | 5.10% | 5% |
| 5.85% | 3.5% | |
| 7.60% | 0% |
- ERC: 3/2
- Revert rate: BBR* +4.99%
- ICR: Highest of 5.50%; or initial pay rate + 2%
5 Year Fixed
| LTV | Rate | Fee |
|---|---|---|
| 65% | 5.91% | 7% |
| 6.31% | 5% | |
| 6.61% | 3.5% | |
| 7.01% | 2% | |
| 7.41% | 0% | |
| 75% | 6.01% | 7% |
| 6.14% | 7%
| |
| 6.41% | 5% | |
| 6.71% | 3.5% | |
| 7.11% | 2% | |
| 7.51% | 0% | |
| 7.64% | 0%
| |
| 80% | 6.51% | 5% |
| 6.81% | 3.5% | |
| 7.61% | 0% |
- ERC: 5/5/3/3/3
- Revert rate: BBR* +4.99%
- ICR: Pay rate
2 Year Tracker
| LTV | Rate | Fee |
|---|---|---|
| 75% | 4.05% (BBR* + 0.30%) |
5% |
| 5.45% (BBR* + 1.70%) |
2% |
- ERC: N/A
- Revert rate: BBR* +4.99%
- ICR: Highest of 5.50%; or initial pay rate + 2%

Large HMO / MUFB
Up to 10 HMO Bedrooms / MUFB Units
2 Year Fixed
| LTV | Rate | Fee |
|---|---|---|
| 75% | 6.43% | 5% |
| 6.89% | 5%
| |
| 7.18% | 3.5% | |
| 7.93% | 2% | |
| 8.93% | 0% | |
| 9.39% | 0%
|
- ERC: 3/2
- Revert rate: BBR* +4.99%
- ICR: Highest of 5.50%; or initial pay rate + 2%
5 Year Fixed
| LTV | Rate | Fee |
|---|---|---|
| 75% | 7.40% | 7% |
| 7.62% | 7%
| |
| 7.80% | 5% | |
| 8.10% | 3.5% | |
| 8.40% | 2% | |
| 8.80% | 0% | |
| 9.02% | 0%
|
- ERC: 5/5/3/3/3
- Revert rate: BBR* +4.99%
- ICR: Pay rate
NOTE: Any HMO which would require considerable alteration to sell as a family home or any MUFB which is ‘hybrid’ (containing a HMO element) classifies as Large HMO/MUFB.
* Bank of England Base Rate (BBR): 3.75% correct at time of publication



