PropertyCore Financial Scheme

Clear financial support for professional property investors.

The PropertyCore Financial Scheme is a Specialist Scheme delivered by Roxton Wealth for buy-to-let, HMO, and portfolio landlords, operating in both personal and limited company structures.

It provides a joined-up approach to mortgage and financial advice, designed around portfolio complexity, lender criteria, refinancing strategy, and long-term sustainability, helping landlords and property businesses make informed, regulated decisions with clarity and confidence.

What is the PropertyCore Financial Scheme?

The PropertyCore Financial Scheme is not a property club, not a training programme, and not a get-rich-quick model.

It is a structured advice framework delivered by Roxton Wealth, created to ensure that mortgage and financial advice reflects how professional landlords actually operate, borrow, and grow.

Through PropertyCore, individuals and property businesses can access:

• A tailored approach to regulated mortgage and financial advice
• Clearer explanations of lender criteria and portfolio strategy
• Structured access to financial planning and guidance
• A consistent, transparent advice journey

All advice is provided on an individual basis, following full suitability assessments and FCA regulatory requirements.

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Why as a property investor should I choose working with you?

Property investing brings opportunity but also complexity.

You may be navigating:

• Lender stress testing and portfolio assessments
• Limited company vs personal ownership decisions
• Refinancing and portfolio leverage
• Cash flow management across multiple properties
• Tax efficiency, risk, and long-term planning

The PropertyCore Financial Scheme is designed to provide clarity, structure, and realism.

Our approach focuses on:

• Understanding your full portfolio, not just one transaction
• Explaining lender criteria and options clearly
• Aligning borrowing decisions with long-term goals
• Supporting sustainable growth, not over-exposure

Advice is strategic, grounded, and suitability-led, not hype-driven.

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Why the PropertyCore Financial Scheme exists

Many landlords receive advice that focuses on individual deals rather than the wider portfolio.

PropertyCore exists because:

• Portfolio lending requires specialist understanding
• Lender criteria varies significantly across structures
• Refinancing decisions impact long-term sustainability
• Property strategies often evolve over time

The PropertyCore Financial Scheme was created to provide a dedicated framework that supports better planning, decision-making, and portfolio resilience.

Where appropriate, we also engage with regulated providers to:

• Better understand how criteria applies to portfolio landlords
• Explore areas where interpretation or clarification may support better outcomes
• Present client circumstances clearly and robustly where discretion may be available

How the PropertyCore Financial Scheme works

1. Initial conversation
       A structured discussion to understand your portfolio, structure, and objectives.
2. Information gathering
       Relevant financial and property information is reviewed in detail.
3. Advice meeting
       Mortgage and financial considerations are discussed across the portfolio, not in isolation.
4. Recommendations and next steps
       Any recommendations are clearly explained, suitability-led, and tailored to your circumstances.
5. Ongoing support
       Where appropriate, continued reviews and future planning support are provided.

Working with lenders and providers

Where appropriate, we engage with a wide range of regulated lenders and providers to better understand how products and criteria apply to professional landlords.

This allows us to:

• Navigate complex BTL and HMO lending criteria
• Assess portfolio affordability and stress testing
• Identify suitable lending structures
• Present portfolio cases clearly where discretion may be available

Any engagement with providers does not guarantee changes to lending criteria or outcomes.
All recommendations remain individual, regulated, and suitability-based, in line with FCA requirements.

Accessibility and education

We recognise that professional landlords often receive fragmented or inconsistent information.

Through the PropertyCore Financial Scheme, we aim where appropriate to:

• Provide clear and transparent pricing
• Support structured access to regulated advice
• Deliver financial education sessions or guidance for property investors

In some cases, scheme-led or organisation-supported arrangements may allow advice to be offered on preferential terms, subject to transparency and regulatory requirements.

Partnerships with property businesses and organisations

The PropertyCore Financial Scheme may operate in collaboration with:

• Property investment businesses
• Portfolio landlords and groups
• Professional property organisations and networks

These partnerships may allow structured access to regulated mortgage and financial advice for members or clients.

All advice provided through PropertyCore remains independent, individual, and in the client’s best interests, regardless of any partnership arrangement.

What PropertyCore can support with

Depending on individual circumstances, advice through PropertyCore may include:

• Buy-to-let and HMO mortgages
• Refinancing and portfolio restructuring
• Limited company and SPV borrowing
• Protection planning
• Long-term financial planning
• Managing financial change as portfolios grow

Any advice provided is tailored to the individual and subject to full suitability assessments.

Why choose PropertyCore via Roxton Wealth?

PropertyCore is delivered by Roxton Wealth as part of our Specialist Schemes approach.

We believe property finance should be structured, transparent, and built for the long term, not driven by trends or shortcuts.

Through PropertyCore, we aim to:

• Improve access to specialist, regulated advice
• Support better portfolio decision-making
• Work within existing lending systems while helping clients navigate them more effectively
• Deliver advice in a calm, professional, and fully regulated way

 Important regulatory information

The PropertyCore Financial Scheme is delivered by Roxton Wealth.
It is not a separate legal entity or advisory firm.

All financial and mortgage advice:

• Is provided on an individual basis
• Is subject to full suitability assessments
• Complies with FCA regulatory requirements
• Prioritises the client’s best interests at all times

Book an initial conversation

For landlords and property businesses exploring access to the PropertyCore Financial Scheme.