Your property, income, investments and future plans are connected. We understand the whole picture, identify suitable finance, present your case to lenders and negotiate the terms. If you proceed, we help manage the process through to completion.
Foreign income, retained company profits, ownership structures or a need to preserve liquidity can change the answer. These starting points help you explore the issues. We bring them together into one financing strategy.
Explore the options and their considerations. The appropriate solution may involve one facility or a combination, depending on your full circumstances.
Some decisions reach beyond the loan itself. Here are four situations where the connections need to be understood before the financing is chosen.
Property-backed and investment-backed borrowing have different costs, collateral risks and repayment requirements. We assess the cash you need to retain alongside the finance, with investment advice remaining with your investment adviser.
Company profits, business cash flow and household commitments can all affect the borrowing. We also consider the financial impact if an owner or key person dies or becomes seriously ill, and the protection already in place.
The borrower, property owner and person providing security may be different. Companies, trusts and family arrangements need to be understood alongside the work of your legal and tax advisers before we assess the financing.
Residence, income currency and where assets are held can change the lenders available and the evidence they need. We bring these points into one lending case, alongside your existing advisers.
Published examples showing how income, assets, ownership and timing can change the lending strategy. Past outcomes do not guarantee future results.
Property debt was structured around the purchase and the client’s wider liquidity.
Read the case study
A specialist route considered residence, overseas income and the UK asset.
Read the case study
Construction and lender policy were central to finding a credible route.
Read the case studyExplore real financing scenarios across home ownership, investment property, overseas income and specialist borrowing.
A complex £500,000 requirement can need as much thought as a £5 million loan. What matters is how your income, assets, ownership and plans fit together. We start there, working with your accountant, tax adviser, wealth manager or solicitor where appropriate.
Understand what you need to achieve, what you own and earn, and what you need to preserve. Consider ownership, residency, existing borrowing, liquidity and future plans alongside input from your professional advisers.
Assess which form of borrowing, or combination of facilities, fits the objective. Compare cost, security, flexibility and repayment requirements before selecting the product and lender.
We identify lenders whose underwriting fits your circumstances, present your case with supporting evidence and negotiate the terms. We handle lender questions and explain the options and trade-offs so you can make an informed decision.
If you choose to proceed, we help organise the application, manage lender queries and coordinate with your solicitor and other professional advisers. We keep you informed as the financing progresses through underwriting to completion.
The latest developments in property and lending, interpreted through the decisions that matter to you.
UK wealth firms are expanding in Dubai, but clients living in the Gulf may still own, buy or refinance property in Britain. Overseas income, property use, investment portfolios and liquidity need to be assessed together when comparing cash purchases, international mortgages, private-bank lending and portfolio-backed finance, with advice coordinated across the relevant jurisdictions.
Also in focus
Gable has launched 100% loan-to-value mortgages of up to £1m for eligible first-time and next-time buyers, including a separate option on selected new-build developments. The range could help buyers with strong income but limited deposit savings, although affordability, fees, cash reserves and negative-equity risk still need to be assessed against lower-LTV and family-assisted alternatives.
Stamford’s below-market-value bridging product can fund up to 90% of the purchase price on qualifying residential-property acquisitions, subject to a maximum 75% gross LTV. A verified discount may reduce the cash needed towards the price, but retained interest, fees, valuation and the sale or refinance exit determine the actual net advance and total cash required.
CHL now accepts first-time buyers, removes its minimum income requirement for non-first-time buyers, lowers minimum property valuation thresholds and considers flats in blocks up to 20 storeys, including ex-local-authority buildings. Previously declined cases may deserve a fresh review, although the borrower, property and rental coverage must still meet the lender’s full criteria.
Understand your borrowing options, the trade-offs and the questions to ask — in around 10 minutes. Listen wherever you get your podcasts.
Your wealth is tied up in property and investments. How could you fund another purchase — and what are the costs and risks?
Listen to this episode Listen in your browser · No app neededSelected for home buyers and owners: affordability, non-standard income and how lenders reach a residential mortgage decision.
How lenders assess income that does not fit a standard salary model.
Read this guide → Self-employedAccounts, profit, salary, dividends and the evidence lenders may require.
Read this guide → AffordabilityWhen a formal assessment of borrowing capacity may be useful.
Read this guide →These answers explain Willow’s scope and process. Any recommendation depends on a full assessment.
No. Start with what you want to achieve and the circumstances that make it complicated. We assess your income, assets, ownership, existing borrowing and plans before considering the appropriate product or combination of facilities.
Our focus is the complexity of the situation, rather than wealth or loan size alone. A £500,000 requirement involving overseas income, company profits or unusual ownership may need careful structuring. Whether we can help depends on the circumstances and available lending options.
Residential mortgages, buy-to-let and portfolio lending, bridging, development finance, commercial mortgages, international property finance, private banking, family-office finance, Lombard and securities-backed lending, plus personal and business protection.
Yes. Willow works with company directors, business owners, contractors, international clients, trusts, SPVs and family structures. The appropriate route depends on the complete facts and lender criteria.
Yes. Willow is independent and assesses mainstream banks, building societies, specialist lenders, challenger banks and private banks where relevant.
Yes. With your authority, Willow can coordinate the finance workstream with other professional advisers while keeping regulated mortgage advice clearly separated from legal, tax and investment advice.
No. Speaking with a Willow adviser, assessing your needs and presenting appropriate solutions are free and carry no obligation. We only charge if you decide to proceed, and we explain all costs before you engage us.
We start with your objective, income, assets, existing borrowing, ownership and timing. We explore the constraints and trade-offs, then explain the options and information needed. If you choose to proceed, Willow manages the financing through to completion.
No. Some buy-to-let, commercial, bridging and development finance is not regulated by the Financial Conduct Authority. Willow will explain the relevant status for the proposed transaction.
Tell us what you are planning, what makes the financing complicated and when you need it. You do not need a product in mind. A brief outline is enough to start.
No fee. No obligation.
Speaking with an adviser, assessing your needs and presenting appropriate solutions costs you nothing. You only pay us if you decide to proceed, after every cost has been explained.
Keep sensitive information secure.
Do not send identification, bank statements or sensitive documents by ordinary email or WhatsApp. Willow will explain how to share them securely.
