Introducer Guide
A practical guide to suitable cases, how introductions work, communication, client ownership and professional responsibilities.
Download the Guide →Introducers
A specialist HMO desk behind your client relationship.
Become an HMO mortgage introducer and refer advisers, agents and professionals who need support with an HMO, bridging or development case, at no cost, without handing the client relationship away.
You may handle residential and buy-to-let mortgages every week but only occasionally see an eight-bedroom HMO, an LLP borrower or a bridge-to-term conversion.
You should not need to become a specialist overnight.
Send us the part of the case that needs specialist attention. We will agree the roles, assess the deal properly and keep you appropriately involved.
There is no cost to become a WeFinance HMOs introducer, and no minimum number of cases required before we will discuss one with you.
Specialist HMO finance
2 years of experience
Whole of market
10 lenders on panel
Part of Roxton Wealth
An award-recognised advice firm
No cost
Zero cost to register as an introducer
Working With WeFinance HMOs
⁓ WeFinance HMOs takes it from there. We provide the regulated mortgage advice, assess the property and borrower properly, and arrange the finance, while working alongside you rather than around you.
⁓ This distinction matters because it is what keeps your role, and your liability, clear from the first conversation. You are not expected to advise on the HMO, bridging or development case you introduce. You are expected to know your client well enough to recognise that the case needs specialist attention, and to trust that we will handle it properly once it is with us.
The client should experience one organised route, not two firms competing for attention.
We agree the scope before the case progresses, so everybody understands:
• What has been introduced
• Who will advise the client
• What information can be shared
• How updates will be provided
• Whether any commercial arrangement applies
• What happens if another advice need emerges
Who It Supports
A specialist route for advisers who do not want one unusual case to become an avoidable risk.
Residential Mortgage Advisers
For HMO or specialist property cases outside your normal advice area.
Buy-to-Let Brokers
For larger HMOs, unusual ownership structures or properties outside your preferred lender market.
Financial Advisers
For clients whose property-finance requirement needs separate specialist mortgage support.
Commercial Finance Brokers
For HMO cases that overlap with bridging, refurbishment or term lending.
Accountants and Solicitors
For clients who require regulated mortgage advice around a property or ownership structure.
Other Professional Introducers
For firms with an established client relationship and a genuine need for specialist HMO support.
What You Can Introduce
Cases where ordinary buy to let criteria stop being useful.
HMO Purchases and Remortgages
Finance for existing or proposed shared properties.
Explore HMO Purchase Mortgages →Company and Partnership Borrowers
SPVs, trading companies, multiple shareholders and LLP structures.
Explore Limited Company & SPV HMO Mortgages →Larger or More Complex HMOs
Higher room counts, unusual layouts, Article 4 areas and commercial-valuation cases.
Explore Large HMO Finance →First-Time HMO Landlords
Applicants requiring a lender prepared to assess their wider experience properly.
Explore First-Time HMO Landlord Finance →Bridging and Auction Finance
Time-sensitive purchases or properties not ready for a term mortgage.
Explore HMO Bridging Finance →Conversion and Refurbishment
Funding the route from the current property to the intended finished HMO.
Explore HMO Conversion Finance →Development Finance
Larger projects requiring staged funding and a structured exit.
Explore HMO Development Finance →Expat or Credit-Impaired Applicants
Cases where the borrower position narrows the specialist market further.
Explore Expat & Overseas Landlord HMO Finance →Built Around the Relationship
Specialist support without creating a new problem for your business.
A Clear Place to Send the Case
You know where the specialist requirement belongs and who is responsible for it.
A Proper Initial Review
We look at the borrower, property and intended outcome before encouraging a full application.
Client Relationship Protection
The agreed HMO requirement remains the focus. We do not use the introduction as a licence for unrelated prospecting.
Relevant Progress Updates
Where authorised, you receive updates at the stages that actually matter, by email as standard, with a phone or video update on request for anything urgent.
Access to Specialist Lender Research
The case is compared against lenders whose criteria fit the actual property and structure.
A Wider Professional Platform
WeFinance HMOs is part of Roxton Wealth, bringing an established regulated advice business behind the specialist service.
• Before your first introduction, we will talk through the kinds of cases most relevant to your client base, what information helps us most at the outset, and how you would like updates delivered.
• Where it would help, we are also happy to run a short briefing for your wider team, covering the HMO, bridging and development cases most likely to come across their desk and when it is worth flagging one to you for onward introduction to us.
• This is a working relationship built for more than one difficult case. The aim is that your team recognises a specialist HMO case when they see one, not that they become HMO specialists themselves.
What Your Client Receives
A human conversation before the lender search begins.
The client is not expected to diagnose their own mortgage category.
We begin by understanding what they are buying, refinancing or changing, what the property looks like today and what they need the finance to achieve.
The client receives:
• A clear initial conversation
• Relevant document requests
• Honest feedback on the proposed route
• A full explanation of the recommendation
• Transparent costs and limitations
• Support through valuation and underwriting
• Updates when the position changes
• No guarantee of approval before the lender and valuer have completed their work
The Introducer Route
From specialist enquiry to mortgage offer.
Send the Basic Deal
Provide the client objective, property details, borrowing required, timescale and the specialist issue.
We Review the Scope
We decide whether the enquiry appears suitable and tell you what information is needed next.
The Relationship Is Agreed
We confirm the roles, client authority, communication and any applicable commercial arrangements.
We Contact the Client
The appropriate fact-finding, document collection and property assessment are completed.
We Research and Recommend
Suitable lenders are compared and the client receives a clear explanation of the proposed route.
We Progress the Case
We manage valuation, underwriting and offer, involving the introducer where authorised and appropriate.
Keeping You Informed
Useful updates without filling your inbox for the sake of it.
Update Stages: ✓ Initial client contact completed ✓ Important documents outstanding ✓ Research or lender discussion underway ✓ Recommendation agreed ✓ Application submitted ✓ Valuation instructed or completed ✓ Material lender issue raised ✓ Mortgage offer issued ✓ Completion confirmed
• Where something threatens the deal, we communicate it rather than allowing the case to drift quietly.
• Updates are sent by email as standard, with a call arranged for anything that needs a proper conversation rather than a status line.
• An adviser introduced a client purchasing an eight-bedroom licensed HMO through a newly formed SPV, with completion required within six weeks. The existing agent's valuation was believed to be on a commercial basis, but this had not been confirmed.
• We reviewed the licence, room configuration and proposed ownership structure within two days of the introduction, confirmed which lenders were realistically available on that timescale, and kept the introducing adviser updated at each stage while working directly with the client on the detail. The case completed within the client's required window.
• Details adjusted to preserve client confidentiality. Individual timescales depend on the lender, valuation and legal process and cannot be guaranteed in advance.
Clear Professional Boundaries
Introductions handled properly from the start.
All business remains subject to client consent, data protection, regulatory requirements and the appropriate approval of any introducer agreement.
An unregulated introducer must not advise the client on a regulated mortgage or present themselves as doing so.
Any referral payment or commercial arrangement must be agreed in advance, recorded transparently and disclosed where required.
Introducer FAQs
Questions advisers usually ask before making the first introduction.
Q1
Will you take over my client?
No. We agree the scope of the introduction and respect the existing professional relationship.
Where another need genuinely arises, it is discussed openly rather than pursued quietly.
Q2
Will I receive progress updates?
Where the client has authorised it, we can provide appropriate updates at meaningful stages.
Q3
Do you accept one-off referrals?
Potentially. A formal high-volume partnership is not required before an individual suitable case can be discussed.
Q4
Can referral fees be paid?
A commercial arrangement may be possible where appropriate, permitted and approved. It must be agreed and documented before the relevant business is conducted.
Q5
Can I introduce a case without knowing which product it needs?
Yes. Provide the borrower, property and objective. Establishing the likely finance category is part of our initial review.
Q6
What happens if the case is not suitable?
We will explain the main reason and, where possible, what needs to change before the case can be reconsidered.
Have a specialist case sitting outside your normal lender market?
Send us the outline. We will tell you whether it belongs with us and what information is needed for a useful initial assessment.