Residential Mortgages
Purchase, move, remortgage or raise capital, including complex income and unusual property.
Independent mortgage & specialist finance brokers
Complex finances. Considered solutions.
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.
Start with your situation. We will help you explore the options.
Your initial conversation, assessment and presentation of appropriate solutions are free. We explain every cost before you decide whether to proceed.
Start with what matters to you
What would you like Willow to help you achieve?
Choose a starting point for guidance, or speak to us if your situation spans several areas. You do not need to know which product you need.
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
The tools to solve the problem
The problem comes first. The product follows.
Your income, ownership, timing and need for liquidity shape the options. Explore our expertise below, or choose your objective above for a more focused starting point.
Understand the problem first
Your circumstances shape the financing.
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.
- Property and purpose
- Income, assets and ownership
- Amount, timing and exit
Options we may consider
Explore the options and their considerations. The appropriate solution may involve one facility or a combination, depending on your full circumstances.
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
Private-bank borrowing assessed in the context of your property, income, investments and liquidity.
Further specialist expertise
Bring the connected questions together.
Your situation may span commercial property, company or trust ownership, overseas income, investments and protection. Explore the relevant areas without having to fit into a single category.
Selected client outcomes
Different complexities. Considered solutions.
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 Explore the case-study library
Explore 65+ client case studies →
More circumstances. More ways forward.
Explore real financing scenarios across home ownership, investment property, overseas income and specialist borrowing.
Why Willow
From understanding your plans to seeing them through.
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.
01 · UNDERSTAND
See the whole position
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.
02 · STRUCTURE
Design the financing
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.
03 · PRESENT
Present the complete case
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.
04 · DELIVER
Stay accountable to completion
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.
Willow / Market briefing
Property · Lending · Private wealth
The market moves.
Understand your next move.
The latest developments in property and lending, interpreted through the decisions that matter to you.
UK Wealth Firms Are Expanding in Dubai. What It Means for Clients With Property in Britain
In brief
Explore the analysis
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
You Can Now Borrow Up to £1m With No Deposit, But When Does a 100% Mortgage Actually Make Sense? ↗
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.
Buying a £1m Property for £800,000? Your Deposit May Not Need to Be Calculated the Way You Think ↗
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.
Previously Declined for a Buy-to-Let Mortgage? Four CHL Criteria Changes Mean Some Cases Deserve Another Look ↗
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.
Residential finance guidance
Guidance for buying, remortgaging and complex income.
Selected for home buyers and owners: affordability, non-standard income and how lenders reach a residential mortgage decision.
Showing guidance for home buyers and owners
Explore the questions behind your financing decision.
Explore another situation ↑
Complex income
Can I get a mortgage with complex income?
How lenders assess income that does not fit a standard salary model.
Read this guide → Self-employedMortgages for self-employed borrowers
Accounts, profit, salary, dividends and the evidence lenders may require.
Read this guide → AffordabilityWhat is a mortgage capacity report?
When a formal assessment of borrowing capacity may be useful.
Read this guide → Frequently asked questions
Clear answers before the first conversation.
These answers explain Willow’s scope and process. Any recommendation depends on a full assessment.
Do I need to know which type of finance I need?
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.
Is Willow only for high-net-worth clients or large loans?
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.
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?
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.
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
Tell us what you need to achieve.
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.
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
Book a 30-minute conversation
Choose a convenient time with an available adviser
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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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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.