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Will the lender require a personal guarantee?

Yes. When you buy an HMO through a limited company the directors and shareholders sign a personal guarantee. 


This requirement is rarely waived. Unless it is very low LTV or the company owns other unencumbered assets. In such cases, a charge on the company as a whole will be taken.


Asking a lender to take a risk by lending you the money. Except do not to give those same guarantees. As you imagine is not looked upon fondly.

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