In 2008, Mike and his wife Carol decided to become HMO Landlords and initially invested in four properties. At the time they joined a franchise business that offered advice and support on building a property portfolio. It was here that they met Kevin, a recommended broker. 

Over the years, Mike and Carol built up their portfolio to 11 properties and Kevin was instrumental in helping to remortgage at each stage of building their portfolio, freeing up capital for the next investment. 

When faced with a change in financial circumstances in 2012, Gertie decided it was time to re-enter the world of employment and chose to focus on the property market. By joining a property franchise business, Gertie learnt about HMOs, the rental market and met a network of brokers and advisers, including Kevin Orchard, who helped her get started.

At the time, Gertie was one of the few women in this growing area and found some brokers to be condescending. Not Kevin however, who proved to be different and has been Gertie’s mortgage adviser over the last 10 years. He has helped her remortgage as her business has grown around the UK. 

From an initial property in the London area, she now owns seven London HMO’s and two apartments in Newcastle, housing forty-five tenants. She has also built up a network of tradespeople, solicitors and two part-time members of staff, ensuring she delivers an exceptional level of service to her tenants.

When taking out finance for an HMO mortgage, we recommend you also review your protection cover to ensure you've got the right insurance policies in place for all eventualities. 

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.