Follow WeFinance HMOs
Partnerships

Helping your clients access specialist HMO finance without putting your relationship at risk.

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.

Helping your clients access specialist HMO finance without putting your relationship at risk.
Your relationship. Our specialist work. One clear route for the client.

Four Quick Information Points.

Point 1

Protect the Introduction:

We respect where the client relationship began

Point 2

Support Specialist Cases:

HMO mortgages, bridging, conversion and development finance

Point 3

Keep Roles Clear:

Everyone understands who is responsible for what

Point 4

Build a Reliable Route:

A partnership designed for more than one difficult case

Who We Partner With

Partner Types:

Mortgage Advisers & Brokers

Estate & Commercial Agents

Property Sourcers

Solicitors & Conveyancers

Accountants & Tax Advisers

Developers & Contractors

Managing & Letting Agents

Property Consultants

Professional Partnerships

A specialist extension of the service you already provide.

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.

 A specialist extension of the service you already provide.
Why Partner With Us

Built around trust, specialist knowledge and straight communication.

Trust

Your reputation comes with the referral.

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.

Value

A proper route for cases outside ordinary buy-to-let lending.

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.

Brand Fit

A service that reflects well on your own business.

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.

Professional Introducers

Supporting the people involved in UK property transactions.

01

Mortgage Advisers and Brokers

Specialist support where an HMO, bridging or development case sits beyond your usual lender market.

02

Estate and Commercial Agents

Helping buyers establish whether a realistic finance route exists for an HMO or conversion opportunity.

03

Property Sourcers

Looking at the funding behind an opportunity before the client becomes heavily committed.

04

Solicitors and Conveyancers

Working together where the title, ownership, planning position or property use affects the lender.

05

Accountants and Tax Advisers

Providing mortgage advice around the proposed ownership structure while tax and accounting advice remains with you.

06

Developers and Property Professionals

Supporting purchases, auctions, refurbishment, conversions and larger development projects.

Specialist Finance

The cases we can help your clients explore.

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.

The cases we can help your clients explore.
How We Work

A professional introduction process with clear ownership throughout.

Step 1

Introduction Received

You provide an outline of the client, property, objective, finance required and anything making the case unusual.

Step 2

Initial Scope Review

We establish whether the enquiry appears to fit our specialist service and what information is needed next.

Step 3

Roles Agreed

We clarify the advice scope, client contact, communication arrangements and any professional boundaries before progressing.

Step 4

Client and Property Assessed

We speak with the client, complete the appropriate fact-finding and review the property, ownership structure and supporting evidence.

Step 5

Options Explained

Suitable routes are compared and the recommendation, costs, limitations and outstanding risks are explained clearly.

Step 6

Application Progressed

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

Partner With Us

Have clients who regularly need specialist HMO finance?

Email
team@wefinancehmo.com
Office number
02039 172650
WhatsApp Number
+44 7949 690059

Let us build a referral route that works properly for everybody involved.

Specialist finance, clear roles and a client experience you can confidently put your name behind.