ANONYMISED CLIENT EXAMPLE
HMO purchase through a limited company
How Smart Mortgages approached a case that needed specialist lender knowledge.
Reviewed by Smart Mortgages21 August 2026 · FCA reference 912358
The challenge
The property, proposed HMO use and SPV ownership did not fit a standard buy-to-let application.
Our approach
The team reviewed licensing, planning, experience, rental coverage, company structure and the intended long-term exit.
The outcome
The case was directed to the specialist funding route appropriate to the proposed property and ownership structure.
Important
This anonymised example illustrates our approach and is not a guarantee that the same lender, terms or outcome will be available to another applicant.