Protect the Introduction:
We respect where the client relationship began
We work with advisers, agents and property professionals who need a trusted route for HMO mortgages, bridging and development finance.
A referral carries your name with it.
You need to know that the client will be looked after, the property will be understood properly and the finance will not be forced through a lender simply to get an application submitted.
WeFinance HMOs provides specialist support while respecting the professional relationship you have already built.

We respect where the client relationship began
HMO mortgages, bridging, conversion and development finance
Everyone understands who is responsible for what
A partnership designed for more than one difficult case
Your client may trust you completely, but the property may sit outside your everyday area of work.
It could be a larger HMO, an LLP application, a commercial-valuation case, a conversion project or a bridge that needs a credible long-term exit.
You should not have to choose between handling unfamiliar specialist finance yourself and sending the client to a business that may disregard your relationship.
We can take responsibility for the agreed HMO finance requirement while working alongside you and the other professionals already involved.
The client receives specialist advice. You remain part of the relationship. The roles stay clear.

Every introduction reflects on the person who made it.
We treat the client professionally, explain the process clearly and avoid the sort of overpromising that creates problems for everybody later.
We assess the borrower, property, ownership structure, rent, planning, licensing, valuation and intended outcome together.
The lender search starts after the deal is understood—not before.
Clients receive a considered, personal service rather than being pushed through a high-volume call-centre process.
WeFinance HMOs is also part of Roxton Wealth, bringing wider professional foundations and regulated advice standards behind the specialist brand.
Specialist support where an HMO, bridging or development case sits beyond your usual lender market.
Helping buyers establish whether a realistic finance route exists for an HMO or conversion opportunity.
Looking at the funding behind an opportunity before the client becomes heavily committed.
Working together where the title, ownership, planning position or property use affects the lender.
Providing mortgage advice around the proposed ownership structure while tax and accounting advice remains with you.
Supporting purchases, auctions, refurbishment, conversions and larger development projects.
Service List:
• HMO purchase mortgages
• HMO remortgages and capital raising
• First-time HMO landlord finance
• Portfolio landlord borrowing
• Limited company and SPV mortgages
• LLP HMO mortgages
• Expat and overseas landlord cases
• Large and licensed HMOs
• Article 4 properties
• Student HMOs
• Commercial-valuation HMO finance
• HMO mortgages involving adverse credit
• HMO and MUFB crossover properties
• Auction and bridging finance
• HMO refurbishment and conversion finance
• HMO development finance
Where a property belongs more naturally within another specialist finance category, we will say so rather than trying to force it into an HMO product.

You provide an outline of the client, property, objective, finance required and anything making the case unusual.
We establish whether the enquiry appears to fit our specialist service and what information is needed next.
We clarify the advice scope, client contact, communication arrangements and any professional boundaries before progressing.
We speak with the client, complete the appropriate fact-finding and review the property, ownership structure and supporting evidence.
Suitable routes are compared and the recommendation, costs, limitations and outstanding risks are explained clearly.
We manage the mortgage application through valuation, underwriting and offer, keeping the appropriate people informed when something meaningful changes.
Any commercial or referral arrangement must be agreed, documented and approved where required before business is conducted.
Relationship Principles:
• Scope agreed at the beginning
• Client consent handled properly
• Existing professional relationships respected
• Relevant updates shared where authorised
• Commercial arrangements recorded transparently
• Confidential information protected
• No regulated advice expected from unregulated introducers
Specialist finance, clear roles and a client experience you can confidently put your name behind.