Bespoke Mortgages, Specialist Property Finance & Structured Lending Solutions for Residential, Business & Private Wealth Clients
Whether You're Buying Your First Home or Refinancing a £10M Portfolio, Our Expert Team Delivers Tailored Solutions With Clarity, Precision and Care
All the Property Finance Options You Need, Made Simple
Finding the right finance shouldn’t be complicated. Whether you’re purchasing a home, building a portfolio, bridging short-term funding gaps, or financing a large-scale development, we provide clear solutions tailored to your needs. From Residential Mortgages and Buy to Let Mortgages through to Bridging Finance and Development Finance, our expertise ensures you have access to every option.
Residential Mortgages
Buy To Let Mortgages
Bridging Finance
Development Finance
Willow Private Finance is an independent mortgage brokerage trusted by individuals, businesses, and institutions to secure smart, strategic finance solutions.
Since 2008, we’ve helped clients across the UK and internationally access tailored property finance — from residential mortgages to complex lending structures.
Our clients include high-net-worth individuals, portfolio landlords, developers, and international buyers with diverse income sources, asset holdings, and tax positions.
Today’s lending environment is more intricate than ever. With evolving regulation, lender appetite, and product criteria, having a well-informed and proactive advisor by your side isn’t just helpful — it’s essential.
At Willow, we focus on building long-term relationships that go beyond a single transaction. Our team works closely with every client to deliver the right outcome — whether that means accessing better pricing, securing greater flexibility, or structuring a deal other brokers can’t.
Property Finance for Expats & International Buyers
Our team are very familiar with UK property finance and insurance. We are also experts at arranging mortgages for UK nationals living overseas and supporting international clients investing in UK real estate, with access to lenders who understand complex income, residency, and cross-border requirements.
Securing the right mortgage as an expat or international buyer is often more complex than it first appears — with factors like overseas income, currency, and residency status adding extra hurdles. Underestimating these challenges can lead to costly delays, missed opportunities, or less favourable terms in the long run.
For many clients, a detailed review of their financial position highlights obstacles they hadn’t anticipated — from proving income in multiple currencies to addressing gaps in UK credit history. While standard or online mortgage options may look simpler, they rarely provide the flexibility or foresight required to secure the right deal.
Our expat specialists work with a wide panel of mainstream, private, and international lenders to design tailored solutions that reflect your circumstances. And for clients with more complex needs, we draw on full market access to structure finance that delivers both confidence today and long-term resilience for the future.
UK Expat & International Buyers
American Buyers Of UK Real Estate
Middle Eastern Buyers Of UK Real Estate
Bespoke Property Finance for Exceptional Homes and Landmark Assets
Our team specialises in securing finance at the very top end of the UK property market. We work with clients acquiring prestigious residences, expanding luxury portfolios, or investing in landmark developments, providing access to lenders who understand the scale, complexity, and discretion required. With deep expertise in structuring multi-million-pound facilities, we ensure that every solution is tailored to the unique ambitions of discerning buyers and investors.
Financing landmark assets or high-value residences is rarely straightforward. Large-scale borrowing often involves intricate ownership structures, diverse income streams, or assets held across multiple jurisdictions. Without the right expertise, clients can encounter restrictive lending criteria, extended approval times, or terms that fail to match the scale of their ambitions.
For many buyers, a deeper review of their wealth structure uncovers challenges not immediately visible — from aligning finance with trust or family office arrangements, to navigating lender appetite for unique or non-standard properties. While mainstream lending routes may appear accessible, they rarely deliver the flexibility or sophistication needed at this level.
Our specialists collaborate with private banks and niche lenders who understand complex wealth profiles. Every facility is carefully structured to provide certainty, discretion, and the confidence that finance is fully aligned with both immediate acquisition goals and long-term wealth strategies.
Private Bank Mortgages: Exclusive Lending for High & Ultra High Net Worth Clients
Securities-Backed Lending: Unlocking Liquidity Without Selling Investments
Complex Property Finance: Structured Solutions for Developers, Trusts & Family Offices
Protecting Your Income, Family and Business
In addition to complex property finance, we design protection strategies that safeguard significant assets, families, and businesses. Our expertise ensures cover is structured with the same precision, discretion, and long-term vision that clients expect across every part of their wealth planning.
Protecting what matters — from family security to business continuity — is never one-size-fits-all. Even seemingly straightforward cover can become complicated once income sources, liabilities, or personal circumstances are taken into account. Without the right advice, it’s easy to be left underinsured, overpaying, or holding policies that don’t respond when they’re needed most.
For many clients, a closer look at their existing arrangements reveals gaps they hadn’t anticipated — from overlooked income protection to outdated life cover or policies that no longer reflect their lifestyle. While standard products may look convenient, they rarely provide the clarity or flexibility required for long-term peace of mind.
Our team works with a wide panel of insurers to design solutions for every stage of life — from families wanting straightforward protection, to business owners needing shareholder cover, right through to wealthy individuals planning for inheritance tax. Each recommendation is tailored, practical, and built to provide confidence that both life and business can stay on track whatever happens.
Personal Protection
Business Protection
Your Property Goals, Our Expertise.
Start your property journey with a tailored strategy today.
At Willow Private Finance, we understand that no two clients — or property plans — are ever the same. That’s why we work across the entire lending market, building tailored solutions that range from simple residential mortgages to complex development and international finance.
Our direct relationships with mainstream banks, specialist lenders, and private institutions allow us to secure funding options and terms that aren’t typically available on the high street. From homeowners and landlords to expats, developers, and high-net-worth investors, we provide independent advice and bespoke strategies that give you clarity, flexibility, and confidence to move forward.
Whatever your goals, we’re here to make sure your finance works harder for you — turning complex challenges into clear, strategic solutions that unlock opportunity.
