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As Buy To Let investments becomes increasingly popular some lenders have become specialists in the area of HMO property mortgages.A multi tenanted property that requires a buy to let mortgage may or may not have an HMO licence. If the property should have an HMO licence as required by law then one will have to be obtained prior to any finance being arranged. If the property is multi let but does not require a licence then a buy to let for non HMO properties can be arranged.