Hearthstone Mortgages is a 5-star rated HMO Mortgages broker in Gerrards Cross, Buckinghamshire

HMO Mortgages Gerrards Cross

Houses in Multiple Occupation can generate higher rental yields than single lets, but you'll need specialist HMO mortgages and proper licensing. Our multi-let property experts guide you through the process. Maximise your rental income today.

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Hearthstone Mortgages is a trading name of Hearthstone Advisory Limited, which is authorised and regulated by the Financial Conduct Authority (FCA Reference number: 945282).

Here's What Our Clients Say.

Higher Returns from Multi-Let Properties.

Maximize rental yields through our HMO mortgage expertise, serving the strong demand for multi-occupancy properties in Gerrards Cross. We secure specialized financing for houses in multiple occupation, navigating licensing requirements, planning permissions, and enhanced rental assessments. Our service covers student lets, young professional accommodation, and conversion projects, ensuring compliance while accessing the higher returns available from multi-let properties in Buckinghamshire’s education and commuter corridors.

Our mortgage activity at a glance

153

Mortgages completed in 2026.

£27,191,837

Lending secured for our clients in 2026.

£239,643

Average mortgage secured for our clients in 2026.

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Why clients trust Hearthstone Mortgages.

Mortgages, but not as you know them;

Whole-of-market advice – independent, unrestricted lender access
Same-day agreement in principle – get clarity fast, provided we have your full details
FCCA, MBA, CeMAP & CeRER qualified team – high-level credentials, real experience
Property investors advising property investors – we’ve done it ourselves
Specialists in bridging, development & equity release
Award-winning, highly reviewed – verified 5-star Google ratings
Olympic ambition, real-world results – we aim high, deliver better
Film-producer founded – creative, not corporate
FCA regulated & transparent – compliance meets clarity

Proud to support the Local Community.

We proudly support:

Chalfont Otters Swimming Club – Premier Sponsor.
Beaconsfield Town FC – Main Sponsor.
Wycombe Wanderers FC – Community Partner.
Featured in Bucks Free Press and MSN News.

What our clients think:

HMO Mortgages FAQs.

Local Market Insight For Gerrards Cross

Average property price in Gerrards Cross: £1,180,270
Detached properties sold for an average of £1,621,260
Semi-detached properties averaged £886,000
Flats fetched an average of £596,950
Prices were 2% up on the previous year and 14% below the 2022 peak of £1,366,669

Source: Rightmove Market Trends, Gerrards Cross.

Meet the Hearthstone Mortgages Team.

The Hearthstone Mortgages team is based in Gerrards Cross and supports clients across Buckinghamshire and West Sussex with clear, whole-of-market mortgage advice.