Residential Mortgages
Purchase, move, remortgage or raise capital, including complex income and unusual property.
Independent specialist finance advisers
Finance, intelligently structured.
For homes, investments, developments, businesses, private wealth and protection across the UK and overseas. Willow shapes the strategy around the client, the assets and the wider objective.
Explore the right route before you pay anything.
Your initial conversation, assessment and presentation of appropriate solutions are free. We explain every cost before you decide whether to proceed.
Willow navigator
What would you like Willow to help you achieve?
We will take you to the relevant specialist hubs, considerations and guidance.
Since 2008
Established specialist brokerage
Independent
Not tied to one bank or lender panel
Whole-of-market
Mainstream, specialist and private banks
FCA 588422
Directly authorised firm
Your finance objective
Every objective needs a different lending strategy.
Use the question in the hero to move directly to the routes relevant to your situation. The detail below will update without adding another navigation step.
- Property and purpose
- Income, assets and ownership
- Amount, timing and exit
Relevant specialist hubs
Each card opens the corresponding Willow finance hub for detailed guidance, related resources and the appropriate next step.
No fee to explore your options. We only charge if you decide to proceed, after all costs have been made clear.
Willow specialist finance
Specialist expertise, connected around you.
The right structure rarely sits inside a single product. Explore Willow’s core finance areas, then go deeper into the international, private capital and protection expertise that may shape the wider strategy.
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specialist routes, permanently linked from the homepage
Buy-to-Let Mortgages
Finance for individual landlords, limited companies, SPVs and established portfolios.
Expat & International Mortgages
UK property finance for clients living, working or earning across borders.
Bridging Finance
Short-term lending for chain breaks, auctions, acquisitions and fixed deadlines.
Development Finance
Funding for acquisition, construction, conversion, refurbishment and exit.
High Net Worth & Private Banking
Relationship-led large-loan underwriting across property, income, assets and liquidity.
Further specialist expertise
When the wider picture matters.
Direct routes for commercial property, complex ownership, international clients, private liquidity and protection planning.
Selected client outcomes
Real situations. Carefully structured routes.
Published examples showing how income, assets, ownership and timing can change the lending strategy. Past outcomes do not guarantee future results.
Private wealth finance
Balancing leverage, liquidity and flexibility on a £1.45m purchase
Property debt was structured around the purchase and the client’s wider liquidity.
Read the case study
International finance
Expat buy-to-let remortgage without UK income
A specialist route considered residence, overseas income and the UK asset.
Read the case study
Residential finance
Remortgaging an unusual property after a decline
Construction and lender policy were central to finding a credible route.
Read the case study Why Willow
Access finds options. Judgement makes them workable.
A long lender list is not a strategy. Willow identifies the route that fits the complete position, presents it coherently to decision-makers and remains accountable as the case moves through underwriting to completion.
01 · STRATEGIC DIAGNOSIS
See the whole position
Clarify the objective, competing priorities, assets, income, ownership, timing and acceptable trade-offs. This initial assessment and presentation of appropriate solutions is free, with no obligation.
02 · MARKET SELECTION
Test credible appetite
Focus on lenders whose real underwriting approach fits the borrower, structure and asset—not merely the advertised product.
03 · CREDIT POSITIONING
Make the case make sense
Build a clear credit narrative, anticipate questions and align the evidence before avoidable issues become delays.
04 · TRANSACTION CONTROL
Stay accountable to completion
If the client chooses to proceed, coordinate lender, valuation, documentation and legal work while keeping the client and professional advisers informed through to conclusion.
Residential finance guidance
Guidance for buying, remortgaging and complex income.
The guidance shown here follows the objective selected in the finance navigator.
Showing guidance for home buyers and owners
The same objective controls both your finance routes and the supporting content.
Change the objective above ↑
Frequently asked questions
Clear answers before the first conversation.
These answers explain Willow’s scope and process. Any recommendation depends on a full assessment.
What types of property finance does Willow arrange?
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.
Can Willow help when income or ownership is complex?
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.
Do you work with mainstream banks and specialist lenders?
Yes. Willow is independent and assesses mainstream banks, building societies, specialist lenders, challenger banks and private banks where relevant.
Can Willow work with my accountant, solicitor or wealth adviser?
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.
Is there a fee for the initial conversation and assessment?
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.
What happens after I enquire?
A specialist adviser reviews the objective, property, approximate amount, timing and income or asset position, then explains the credible next steps and information required. If you choose to proceed, Willow manages the case through to its conclusion.
Is every form of property finance FCA regulated?
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.
Speak with a specialist adviser
Start with the objective, position and timing.
A concise outline is enough for the first conversation. We will explain the credible routes and what information is needed next.
No fee. No obligation.
Understand your options before you commit.
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.
Free initial conversation
Free assessment and options
All costs disclosed first
Managed through to conclusion
Call a specialist adviser
Best for urgent or complex requirements
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Email a high-level outline
Objective, approximate amount and timing
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Message us on WhatsApp
Send a brief, non-sensitive outline by message
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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.
Willow Private Finance Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 588422. Your home or property may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of buy-to-let, commercial, bridging and development finance. Lending is subject to status, valuation, lender criteria and full underwriting.