
Trustworthiness

Integrity
Customer Focus

Innovation

Financial Strength

Security
What we offer
First-Time Buyer
We make sure anyone who is entering the mortgage world for the first time, is being helped at every stage of the process.
95% Loan to Value
In recent years, there's been a perception that 95% mortgage options have disappeared from the market. While some lenders we work with don't offer products at this level, we've built strong relationships with other lenders who can assist.
Home Mover
You have the added stressful element of selling your current property. Alternatively, maybe you are considering renting out your current property and buying a new home.
Self-Employed
Clients trust us to secure Limited Company mortgages as well as self-employed mortgages. We work with lenders that can use Net Profits, Salary and Dividends.
Professionals
Hilo Finance secure mortgages for professionals. We are professional, across the market, mortgage brokers. We can secure mortgages for professionals from high street banks, building societies and private banks and exclusive broker only mortgage lenders.
Large Loans
If you’re looking for a mortgage over £1 million, you’ve come to the right place. Our team of experienced mortgage advisers have a wealth of knowledge and expertise in arranging high net worth mortgages for our clients.
Poor or Adverse Credit
Hilo Finance can connect borrowers with lenders who are experienced in working with individuals in similar financial situations and are more likely to approve their applications.
Buy-to-Let
A buy-to-let mortgage is a loan secured against the property that you will let out. You can rent the property to individuals, a company or to a family member, depending on the lender.
Limited Company Buy-to-Let
We have close partnerships with specific Limited Company lenders, and we'll help you find the best product for your unique situation.
Bridging Finance
In a nutshell, a bridging loan is a short-term loan that can support the purchase of a property such as one that doesn’t match the criteria for a traditional mortgage. They can help between the sale of one property and the purchase of another or help landlords at risk of repossession.
Property Development Finance
Whether you are an experienced property developer wanting to expand your portfolio or just delving into the world of property development and are looking to refurbish and flip your first property, our experience and knowledge will ensure your financial needs are met.
Remortgages
Remortgaging is basically moving from your current lender to a new one. The finance that you have on the property gets taken over by the new lender. You can also remortgage in order to borrow money against your property.
Wills, Trusts & Probate
Expert advice on finding a probate mortgage, working your way through the complexities of the legal processes, and raising financing to keep an inherited property.
Why Hilo?
Personalised
People-Focused
Financial Security
Our brokers can access the specialist mortgage market through their knowledge of lenders. We leverage relationships with key stakeholders within the lenders to create specialist mortgage solutions for our clients.
Hilo prides itself in delivering a highly exclusive, discreet and hyper-personalised service, through our international office locations.

Testimonials
Outstanding Mortgage Adviser - Highly Recommended! I enjoyed working with Amy Brown from Hilo Finance as she demonstrated genuine care that is truly rare. Amy explained complex terms and conditions, ensuring I fully understood every step of the process and got the most competitive deal possible. She took the time to understand my unique financial situation, and her recommendations were tailored to my needs, providing options that best fit my circumstances. Amy was always available to answer my questions and address my concerns. Working with Amy was a game-changer in my home-buying journey. Her expertise and compassionate, client-focused approach resulted in a stress-free mortgage approval process. I cannot recommend Amy highly enough to anyone seeking a knowledgeable, trustworthy, and dedicated mortgage adviser. Thank you, Amy, for securing my dream home and giving me peace of mind about my financial future.
Tom W.
Barrister
We initiated enquiries with several specialist brokers to explore a building loan for our project. Hilo (Tony) was very helpful in the early stages and followed up continually over the 18 months that it took us to seek planning permission. When we finally received authorisation, he initiated the application and made the process smooth; switching to a short term bridging loan that enabled us to complete the purchase of the plot of land that we would otherwise have lost. Our deal was on the point of falling through, so Hilo (Tony) stepped in and negotiated a settlement between the vendors and ourselves. This went above and beyond expectations and executed with great tact, demonstrated skilful negotiation and strong empathy relationship with our position. Many thanks Hilo and congratulations!
Erin B.
Journalist
We found Hilo Finance while searching on Google after our first mortgage application was declined. We were really stressed and worried but within five minutes of speaking to John, we felt much more at ease. John has went above and beyond during this process, he has talked us through every single step, answered all of the many many questions we had, talked us through the entire house buying process and generally made what could have been a really difficult time very smooth sailing. I cannot recommend Hilo and in particular John enough. We now have our mortgage through and still feel able to reach out to John with questions. Absolutely would recommend to anyone.
Jennifer I.
Doctor
Let’s Talk Finance
Contact us for any questions or enquiries — people and finance you can count on!
Phone: +44 203 750 0305
WhatsApp: +44 738 759 4274
Email: info@hilofinance.co.uk