Funding HMOs in 2025: Inside the Lender’s Mind with Together Finance

In this week"s episode, I’m joined by Ryan Etchells from Together. Ryan is the Chief Commercial Officer at Together, one of the UK’s leading specialist lenders. With a huge lending book, a strong appetite for HMOs, and years of experience in the sector, they really know their stuff. What you’ll discover today is that Ryan brings a unique and valuable perspective from the lender’s side of the table. He shares some brilliant insights—and, more importantly, practical advice—that could help you strengthen your applications and build better relationships with lenders. So, if you’re finding it tough to get the results you want from a lender, or if scaling your property business has hit a financing wall, then this episode is one you don’t want to miss! Topics covered in this episode:03:13 - Understanding Together Finance and Its Unique Approach07:43 - Current Trends in HMO Lending and Market Dynamics12:45 - The Importance of Relationships with Lenders17:04 - Defining a Good Deal in the HMO Market34:54 - Case Study: A Unique HMO Investment Story - Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify! Got any questions? Join The HMO Community on Facebook! Connect with me on Instagram or Linkedin for daily HMO tips and advice!  If you want to join my 1-2-1 mentoring program, you can enquire here.  Feeling overwhelmed and don’t know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.