01
Growing Your Portfolio
For experienced landlords refinancing, releasing equity and scaling.
We model the whole portfolio, not just the deal in front of us.
Specialist HMO Finance
Built for HMOs. Not bent to fit them.
As a specialist HMO mortgage broker, WeFinance HMOs helps landlords, investors and developers shape finance around the property, ownership structure and details that influence what a lender will actually consider.
Standard buy-to-let criteria were not written with room-by-room income, licensing or Article 4 in mind. We specialise in the finance that was.
HMO-onlyNot a side line.
Whole of marketNot one panel.
Fast clarityFrom the first call.
What we look at first.
Property
Room count, HMO licence class, planning history and Article 4 status. Each one narrows or widens your lender pool before a rate is discussed.
Structure
Personal name, SPV, or existing limited company. Deposit size and portfolio gearing all shift which lenders will lend, and at what price.
Criteria
Bricks and mortar valuation or investment valuation. Lender appetite on room count, licensing and location. The route through depends on getting this right first.
Step 1 – What are you looking to do?
Let's start with your project. Choose the option that best describes the finance you need.
WHO WE ARE BUILT FOR
Finance built for the way you invest.
Whether you are scaling a portfolio, buying your first HMO, or converting a building into one, the questions you are asking are different. So is our answer.
Discuss a portfolio refinance
02
Get your first HMO assessedBuying Your First HMO
Moving beyond standard buy-to-let? We'll help you structure your first HMO purchase properly.
Positioned properly, a first HMO is not the handicap some brokers treat it as.
03
Discuss a development or conversionDeveloping HMOs
Funding conversions, refurbishments and ground-up developments with the right finance from day one.
We plan all three stages together, not one at a time.
Choose your route
Four routes. One that fits your deal.
Start with the route, the detail follows.
01 · Buy
Start a purchase enquiryHMO Purchase Finance
For acquisitions where the property, rental model and ownership route need to align before an offer goes in.
02 · Refinance
Check your remortgage optionsHMO Remortgages
For landlords releasing equity, repricing an existing HMO, or restructuring ownership.
03 · Start out
Get your first HMO assessedFirst-Time HMO Landlord Finance
For a first HMO, positioned correctly from the first lender conversation, not corrected after a decline.
04 · Grow
Discuss your portfolioPortfolio Landlord HMO Finance
For landlords adding to an existing HMO portfolio, where wider borrowing and background portfolio performance shape the route.
We look at the whole deal
The property, intended use, income, licensing position, ownership structure and wider borrowing can all influence the right route.
Built for complex HMO cases
Not every HMO fits a standard lender box. We bring potential sticking points into the open early, rather than discovering them late.
Commercially clear advice
You should understand the options, trade-offs and the next useful action, without jargon or generic sales talk.
Our Media features
As featured in.
- The Times
- The Telegraph
- Daily Mail
- This is Money
- Daily Express
- The Independent
- Yahoo Finance
- Sky News
We establish the route first, then move your case through the right lender, valuation and legal stages with a clear plan in front of everyone.
HMO FAQs
The questions worth answering before you commit to a property.
Questions that come up early in an HMO purchase, refinance or development conversation.
The detail will always depend on the property, borrower and lender criteria.
See all HMO FAQsNot necessarily. Lenders consider the property, your wider experience, deposit, income, ownership structure and the overall proposition. A first HMO can still need careful positioning.
Yes. Many landlords use an SPV for tax and portfolio reasons. The right structure depends on your wider tax position and lending strategy, and we work alongside your accountant on this.
Deposits typically start higher than standard buy-to-let, often from 25% upward. The exact figure depends on the property, the licensing position and the lender.
Yes, it can. In England, an Article 4 Direction may remove permitted development rights that would otherwise allow certain properties to be converted into small HMOs without a planning application.
Lenders may check whether the property's HMO use is lawful, whether planning permission was required and whether the necessary approvals are in place. Existing lawful HMO use may be treated differently from a proposed conversion.
Timelines vary with valuation type, licensing checks and legal work. We give you a realistic timeframe once we understand the case, not a generic promise.
Not always. Some lenders will proceed on the basis you obtain the licence after completion. Others want it in place first. This depends on the council, the room count and the lender you approach, so we check it early rather than assume either way.
HMO lenders may use a bricks-and-mortar valuation, based on comparable residential properties, or an investment valuation that considers the property's rental income and investment characteristics.
Not every HMO qualifies for an investment valuation. The property's size, layout, planning position, licensing and lender criteria can all influence the approach. This matters because the valuation method can significantly affect how much you can borrow.
Yes. Lenders will look at your total borrowing, background portfolio performance and how the new HMO fits within it. Portfolio landlords face closer scrutiny than a first-time buyer, so preparation before you approach a lender matters more, not less.
Our cases
Customer Case Studies.
Real property transactions. Real lending challenges. Explore how we've helped HMO landlords and investors navigate specialist lender criteria, overcome financing obstacles and move their property plans forward.
Case 01
First-Time HMO Landlord
Learn how we secured specialist finance for a first-time HMO landlord purchasing a large 10-bed licensed property in a limited company.
Case 02
Read moreHMO Remortgage & Capital Release
See how we unlocked equity on a newly refurbished HMO within 6 months of purchase to fund our client’s next property investment.
Case 03
Read moreCommercial-Valuation HMO Finance
Read how we secured a commercial investment valuation for a large HMO to avoid a severe funding gap and complete the purchase.
Start the right conversation
Tell us what the deal needs to do.
Give us the outline. We tell you the route, the likely lenders, and what to sort out before you go further.
- A first conversation around your actual deal, not a generic rate form.
- Clearer questions before you commit to an approach.
This is an initial conversation, not a promise of lending. Your circumstances, the property and lender criteria will all matter.