Whether you are purchasing an HMO, refinancing an existing property or arranging finance for a conversion, refurbishment or development, we have set out how our fees work in one place.
Our aim is to make understanding the cost of our advice just as straightforward as understanding your HMO finance options.
The amount you pay depends on the service you require and the complexity of your circumstances.
If commission is payable by a product provider, this will also be explained openly as part of our advice process.
Our commitment is simple: you will always know how our services are charged before deciding to proceed.
Every advice service is different, and so is the work involved. The information below explains how our services are typically charged. Where a fixed fee cannot be provided immediately, we will confirm the exact fee after understanding your circumstances and before any chargeable work begins.
From £650
Payable upon mortgage offer. The exact fee will depend on whether you are a portfolio or non-portfolio landlord and the complexity of your case.
From £550
Payable upon mortgage offer. The exact fee will depend on whether you are a portfolio or non-portfolio landlord and the complexity of your case.
From £950
Payable upon offer. The exact fee will depend on whether you are a portfolio or non-portfolio landlord and the complexity of your case.
From £1,250
Payable upon offer. The exact fee will depend on whether you are a portfolio or non-portfolio landlord and the complexity of your case.
From £1,500
Payable upon mortgage offer. The exact fee will depend on whether you are a portfolio or non-portfolio landlord and the complexity of your case.
From £1,350
Payable upon mortgage offer. The exact fee will depend on whether you are a portfolio or non-portfolio landlord and the complexity of your case.
Behind every recommendation is a structured HMO finance process designed to ensure the solution is suitable, properly researched and aligned with your property, borrowing needs and wider investment plans.
Every HMO finance journey begins with understanding your experience, property plans, financial position and what you are trying to achieve.
We look beyond the basic figures to understand the property, the proposed strategy, the ownership structure, the timescales involved and how the finance needs to support your wider portfolio plans.
We compare HMO lenders, products and funding solutions to identify the options that best fit your property and plans.
This includes reviewing lender criteria, borrowing costs, valuation methods, rental stress testing, fees, risks and how each option supports your purchase, remortgage or wider portfolio strategy.
Our recommendations are tailored to your property, circumstances and HMO strategy.
We explain why a particular lender or finance option has been recommended, outline suitable alternatives where relevant and make sure you understand how the proposed solution supports your immediate deal and wider portfolio plans.
Our support does not end when a recommendation is made.
We help manage the application, liaise with lenders and other parties, respond to queries and keep the case moving through to completion.
Where appropriate, we can also support you with future purchases, remortgages and changes to your wider HMO portfolio.
To assess your HMO finance options, we may require documents such as identification, proof of income, bank statements, portfolio schedules, tenancy information and details of the property or proposed works.
Providing the requested information promptly helps us assess lender criteria accurately and keep your application moving.
Reviewing your documents, assessing lender criteria, researching suitable HMO finance options and preparing a tailored recommendation all form part of our professional advice process.
Much of this work takes place before our recommendation is presented and is reflected in the fee we charge.
No. Your initial conversation gives us the opportunity to understand your HMO finance requirements, discuss the property or project and explain how we may be able to help. We will also outline our advice process and confirm any applicable fees before you decide whether to proceed.
Some HMO finance services have fixed fees, while others depend on factors such as the type of finance required, your landlord experience, portfolio size and the complexity of the case. We will always confirm the applicable fee and explain when it becomes payable before you decide to proceed.
Yes. We believe in complete transparency. You will receive a clear explanation of any fees before moving forward.
For certain HMO mortgage, bridging or development finance arrangements, we may receive commission from the lender or provider. Where this applies, the amount or basis of the commission will be disclosed to you in accordance with the relevant requirements.
At WeFinance HMOs, trust starts with clarity. We believe you should understand how our fees work, what is included in our service and why a particular finance solution has been recommended for your property or project. Clear communication sits at the heart of the way we work, which means discussing our fees openly from the very beginning.
If you would like to understand how our advice could help you and how our fees may apply to your circumstances, we would be pleased to arrange an initial conversation.