Homes & ownership
Purchase, refinance and protect
Routes for owner-occupiers, landlords and clients buying UK property from overseas.
Independent property finance advisers
Property finance, intelligently structured.
For homes, investments, developments, businesses and private wealth across the UK and overseas.
Willow combines whole-of-market access with experienced human judgement, shaping finance around the client, the asset and the wider objective.
Or call us on 0207 082 5175
Objective-led
Begin with what you need to achieve
Growing case library
New client outcomes published regularly
Current intelligence
Changing criteria explained clearly
Specialist advice
Human judgement from enquiry to completion
Why clients come to Willow
The obvious route is not always the right one.
A standard application can overlook the strength of the wider position. Willow identifies the factors a lender needs to understand before the case goes to market.
Only part of the income has been assessed.
Income is self-employed, contractual or from several sources.
The client lives overseas or earns in another currency.
The property falls outside standard lender policy.
The transaction is time-critical.
Assets are strong but affordability appears weak.
Ownership uses a company, SPV, trust or cross-border structure.
Debt needs reorganising before a purchase or exit.
Liquidity is needed without an immediate asset sale.
A previous lender has declined or changed position.
Since 2008
Established specialist brokerage
Independent
Not tied to one bank
Whole-of-market
Broad lender assessment
FCA 588422
Directly authorised firm
Specialist access
Mainstream, specialist and private banks
Direct advice
Speak with a specialist adviser
Specialist advice, made easier
A clearer route through complex finance.
Useful digital tools help you orientate and prepare. A Willow adviser then applies the lender knowledge, judgement and persistence needed to shape the right strategy.
Expertise when it counts
Understand the landscape. Then put an experienced adviser in your corner.
For home buyers, landlords, developers, business owners, expats, international families, private clients and the professionals who advise them.
Home buyers and homeowners
Complex-income borrowers
Landlords and developers
International clients
Private clients and family structures
Professional advisers
- 01
Define the requirement
Begin with the property, liquidity need or transaction rather than industry terminology.
- 02
Explore relevant evidence
Use completed client outcomes to understand how similar complications have been approached.
- 03
Review the current market
Understand the lender appetite, criteria and wider conditions that may shape the route.
- 04
Structure and execute
Your adviser assesses, presents and manages the case through to completion.
Choose a route
What do you need finance to do?
Select the outcome closest to your situation. Each route opens specialist guidance, relevant client examples and a clear next step.
Property & enterprise
Acquire, build and create liquidity
Time-critical, development and commercial routes shaped around the asset and the exit.
Private & structured
Coordinate wealth, assets and complex ownership
Private-bank, securities-backed and multi-asset lending for more involved positions.
Not sure which route applies?
Start with the property, objective and timing.
Ask a specialist adviser
Selected client outcomes
Real situations. Carefully structured routes.
These published case studies show how income, assets, property, ownership and timing can change the route to a solution. Past outcomes do not guarantee future results.
Private wealth finance
Balancing leverage, liquidity and flexibility on a £1.45m purchase
The structure supported the purchase while preserving wider liquidity and future flexibility.
Read the £1.45m purchase case study
International finance
Expat buy-to-let remortgage without UK income
A specialist route considered overseas residence, income and an existing UK rental asset.
Read the expat remortgage case study
Residential finance
Remortgaging a timber-frame home after a decline
Property construction and lender policy were central to identifying a credible alternative.
Read the unusual-property case study Client outcome library
Find a case study that matches your situation.
Search by finance area, product, client profile or objective. Results update as you refine the filters.
How Willow works
Advice that stays with the transaction.
We do not simply identify a product and hand the case off. The team assesses the likely challenges early and manages the route through underwriting and completion.
Understand the full position
Objective, income, assets, property, ownership, commitments, timing and exit.
Identify credible market routes
Compare mainstream, specialist and private-bank appetite.
Structure and present the case
Build a coherent rationale and anticipate lender questions.
Negotiate and manage
Coordinate evidence, valuation, underwriting and other professionals.
Support completion and review
Keep the transaction moving and revisit the strategy when appropriate.
For professional advisers
A finance partner for the clients who do not fit a standard route.
Willow works with accountants, wealth managers, financial planners, solicitors, private-client lawyers, probate practitioners, tax advisers, estate agents, buying agents and property professionals.
With the client's authority, Willow can assess borrowing, explore property-backed liquidity, support purchases or restructuring, coordinate around wider legal, tax and investment advice, keep you appropriately informed and protect the professional relationship.
Protection and resilience
Protect the outcome the finance creates.
Borrowing should be considered alongside the people, income and business responsibilities that support it.
Personal and family
Life cover, critical illness and family financial resilience.
Income and mortgage
Cover aligned with income needs and mortgage commitments.
Business protection
Shareholder, key-person and business-loan considerations.
Relevant life
Company-funded life cover where suitable and eligible.
Estate liquidity
Whole-of-life and liquidity considerations alongside professional advice.
Joined-up review
Protection assessed alongside the lending strategy, not as an afterthought.
Market intelligence
Make the market relevant to your decision.
Choose the situation closest to yours. Willow will show the criteria, pricing and property factors worth watching before you make the next move.
Check affordability, property fit and lender policy together.
A competitive headline rate is only useful when the lender will accept the income, property and wider circumstances.
- How lenders are assessing income and commitments
- Whether construction, location or tenure narrows the market
- How rate, fees, term and flexibility affect the total route
Latest analysis
Current thinking from Willow
Choose a topic to filter the latest published analysis.
Frequently asked questions
Clear answers before the first conversation.
Every recommendation depends on a full assessment. These answers explain the main routes and the information that normally shapes them.
What types of property finance can Willow Private Finance arrange?
Willow advises on residential mortgages and remortgaging, buy-to-let and portfolio finance, bridging, development and refurbishment finance, commercial property lending, expat and international mortgages, high-net-worth mortgages, private banking, Lombard lending and structured finance. Availability depends on the borrower, security, purpose and lender criteria.
Can Willow help after a bank or another lender has declined?
A decline does not always mean the objective is impossible. Willow can review why the application failed, test whether the income, property, ownership or timing fits another lender's policy, and advise whether a revised route is credible. A different lender or approval cannot be guaranteed.
Can Willow help self-employed borrowers, contractors and company directors?
Yes. Willow considers the full income picture, which may include salary, dividends, retained profits, contract history, bonus, commission or investment income. The evidence and assessment method differ by lender, so the case needs to be positioned carefully.
Do you arrange mortgages for UK expats and overseas buyers?
Yes. Willow works with UK expats, foreign nationals and international families buying or refinancing UK property. Lenders may assess residence, currency, tax position, credit footprint and source of funds differently, so specialist cross-border underwriting can be important.
What is the difference between bridging and development finance?
Bridging is normally short-term finance for a purchase, chain break, auction, refurbishment or temporary funding gap, supported by a credible exit such as sale or refinance. Development finance is structured around a build or conversion programme and may release funds in stages against costs and progress.
What is Lombard or securities-backed lending?
Lombard lending allows eligible investment portfolios to support a credit facility without an immediate sale of those assets. Lenders assess asset eligibility, concentration, volatility and loan-to-value, and the facility can involve margin-call and investment risks that need careful consideration.
Can Willow work with trusts, companies and complex ownership structures?
Potentially. Willow can assess borrowing involving companies, SPVs, trusts, partnerships and cross-border structures, then coordinate with the client's legal and tax advisers. Willow does not provide legal or tax advice, and lender appetite depends on the full structure.
Do you work with accountants, lawyers and wealth managers?
Yes. Willow works alongside accountants, solicitors, private-client lawyers, tax advisers, wealth managers, financial planners, agents and other professionals. With the client's permission, the team can coordinate information and keep the referring adviser appropriately informed.
What happens after I submit an enquiry?
A specialist adviser reviews the objective, amount, timing, income or asset position, property and any unusual factors. The first conversation is used to identify plausible routes and the information needed for a fuller assessment. Do not send identity documents or bank statements by ordinary email or WhatsApp.
Speak with a specialist adviser
Start with a conversation.
Tell us the property or asset, your objective, approximate amount and timing. We will explain what information is needed next.
Call a specialist
Best for urgent or complex requirements
0207 082 5175
Email your outline
Send a brief, non-sensitive summary
Compose an email
Begin on WhatsApp
Useful for a quick initial conversation
Open WhatsApp
What happens next An adviser reviews the likely routes and explains the next practical step. No outcome is guaranteed.
Keep sensitive information secure.
Do not send bank statements, identification documents or other sensitive information by ordinary email or WhatsApp. Willow will explain how to share documents securely when required.
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 and bridging finance.
Information on this page is general and does not constitute personal financial, legal or tax advice. Lending is subject to status, valuation, lender criteria and full underwriting.
