HMO Bridging Loan Calculator - Including Conversion Costs

Calculate HMO Bridging Finance, Conversion Costs and Total Loan Amount

Our free HMO Bridging Loan Calculator provides an accurate estimate of LTV, interest, fees and total loan costs, factoring in HMO conversion works and refurbishment budgets.

Built specifically for HMO bridging finance, it is one of the only adaptive bridging calculators to apply different product interest rates and reflect the true cost of bridging loans on HMOs - ideal for purchases, conversions and unlicensed HMO projects…

HMO Bridging Loan Calculator

Calculate an indicative loan amount for your HMO purchase or conversion

Select LTV 75%
0% 85%
Estimated Loan Term
12 Months
Typical HMO bridging terms: 12-18 months
Monthly Interest Rate
0.39%
Rate based on selected LTV
Arrangement Fee
Maximum 2%
Fees retained from loan advance

Aura Capital Loan Breakdown

Gross Loan Amount £337,500
Retained Interest (12 months) £15,795
Arrangement Fee (2%) £6,750
Broker Fee £0
Valuation Fee £0
Legal Fee (from) £1,680
Administration Fee £499
Day One Net Loan (Amount You Receive) £312,776
Note: These are only indicative terms. The figures shown are for illustrative purposes only and do not constitute a binding offer or commitment to lend. Actual loan terms, rates, fees, and amounts are subject to full underwriting, credit assessment, property valuation, HMO licensing status, and legal review. For unlicensed HMOs or conversion projects, additional security or lower LTV may apply. Works funding may be available in staged releases. All lending is subject to status and approval. This calculator does not guarantee loan approval or final terms.
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Types of HMOs We Finance

  • Licensed HMOs
  • Unlicensed HMOs
  • HMO conversions from single-let properties
  • Small HMOs (up to 6 occupants)
  • Large HMOs (7+ occupants)
  • Multi-unit HMO buildings
  • Auction HMO purchases
  • HMOs requiring refurbishment or compliance works

HMO Bridging Loans UK

HMO bridging loans provide fast, flexible short-term finance for UK landlords and developers purchasing, converting or refinancing Houses in Multiple Occupation - including licensed and unlicensed HMOs. Whether you’re buying an HMO at auction, funding a single-let to HMO conversion, completing refurb works to meet licence standards, or bridging to a long-term HMO mortgage, Aura Capital arranges HMO bridging loans from £75k to £10m with LTV up to 70% and completion in as fast as 5-10 working days.

Our specialist HMO bridging finance supports opportunities across England, Scotland and Wales, even where planning, licensing or property condition prevents mainstream lenders from lending.

HMO Bridging Loan Products