The accounts show more than a payslip.
Salary, dividends, retained profits, director’s loans, recent growth and multiple business interests may require lenders capable of assessing the complete position.
Explore the potential routes → Accountants · Tax advisers · Professional introducers
Complex finance, without compromising the client relationship.
Willow works alongside accountants when a client’s property or funding requirement involves complex income, company structures, international circumstances, investment assets or a transaction that does not fit standard lending criteria.
You remain the client’s accounting and tax adviser. We assess the finance requirement, explain the credible routes and manage the lending process within our professional remit.
An anonymous outline is enough for an initial conversation. Please do not send identification, bank statements or sensitive documents by ordinary email or WhatsApp.
Since 2008
Established specialist brokerage
Directly authorised
FCA reference 588422
Independent
Advice shaped around the client
Whole-of-market
Mainstream, specialist and private banks
UK & international
Complex circumstances supported
Why accountants involve Willow
The finance question often appears inside an accounting conversation.
A client may not begin by asking for a mortgage broker. They may be discussing retained profits, purchasing through a company, releasing capital, acquiring business premises, moving overseas or restructuring a property portfolio.
Early coordination allows the client’s tax, ownership and funding position to be considered coherently—while keeping each adviser clearly within their professional remit.
The ownership structure affects the finance route.
Purchases, refinancing, equity release and portfolio restructuring may involve personal ownership, limited companies, SPVs, mixed property types or several existing facilities.
Explore the potential routes →Income and assets cross jurisdictions.
Overseas residence, foreign-currency income, limited UK credit history and international ownership structures can place otherwise strong clients outside standard lending criteria.
Explore the potential routes →Timing can matter as much as affordability.
Acquisitions, auctions, refurbishment, development and expiring facilities require a credible funding route, evidence strategy and clearly considered exit.
Explore the potential routes →The property forms part of the wider business decision.
Owner-occupied premises, investment property and mixed-use assets may require commercial, specialist or blended finance rather than a conventional mortgage approach.
Explore the potential routes →Wealth does not always appear as conventional income.
Investment portfolios, business interests, trusts, irregular earnings and substantial assets may support private-bank, securities-backed or specialist lending structures.
Explore the potential routes → Know when to bring Willow in
A useful introduction starts with the complication.
Accountants do not need to diagnose the mortgage solution. These are simply signals that a specialist finance conversation may be worthwhile.
“My bank will not use all of my income.”
“I want to buy the property through a company.”
“I live overseas but want to purchase or refinance in the UK.”
“I need to release capital without selling the property or investment.”
“The purchase must complete before another asset is sold.”
“I want to acquire or refinance business premises.”
“We are converting, refurbishing or developing the property.”
“The property is unusual or partly commercial.”
“My income has increased but the latest accounts do not show it.”
“I have inherited a property or need to buy out another beneficiary.”
“I have substantial investments but limited conventional income.”
“Several lenders or banks have already declined the case.”
If the objective, amount, timing and principal complication are known, Willow can normally establish whether the case deserves a fuller assessment.
Discuss the outline anonymously One introduction · Clear professional boundaries
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The relationship stays coordinated from first outline to conclusion.
Share the situation
Start with the client’s objective, approximate amount, timing and principal complication. A client name is not required for an initial high-level discussion.
Establish the credible routes
Willow considers the likely lending models, information requirements and potential obstacles before suggesting whether a full client assessment is appropriate.
Introduce with permission
When the client wishes to proceed, make a consented introduction. Willow then handles the finance discussion and any regulated advice within its remit.
Coordinate the transaction
Willow manages lender engagement, underwriting, valuation and progress. With consent, the accountant remains informed where their input is required.
Accountant case desk
Is this worth an early finance conversation?
Choose the closest descriptions. This pathway does not indicate that finance is available and is not a lending decision or personal recommendation.
Accountant-relevant client outcomes
Real situations. Finance structured around the complete position.
These genuine, anonymised Willow examples show where coordination between finance and a client’s wider professional advisers can become important.
Complex income
How a Complex Income Borrower Secured £1M+ Across Two Properties
Complication: The borrower’s position required assessment beyond a conventional payslip.
Outcome: Finance was structured across two properties.
Read the case study → International financeOverseas Business Owner Secures a Scottish Property
Complication: Offshore income and overseas residence required specialist handling.
Outcome: A UK property purchase was financed.
Read the case study → SPV portfolioRefinancing a Five-Property SPV Portfolio
Complication: Multiple properties held in an SPV required a coherent refinance strategy.
Outcome: The portfolio was refinanced through a cost-effective structure.
Read the case study → Development refinanceRefinancing an 18-Unit Development Before a Bridge Expired
Complication: An expiring bridging facility created a fixed deadline.
Outcome: Time-sensitive refinancing protected the development position.
Read the case study → Why Willow
Good introductions depend on judgement, communication and trust.
Established since 2008, Willow is independent, directly authorised and whole-of-market, with access to mainstream lenders, specialist institutions and private banks for UK and international clients.
The case is positioned before it reaches lenders.
Willow clarifies the objective, evidence and principal risks before approaching the most appropriate part of the market.
From mainstream mortgages to private banks.
Residential, buy-to-let, bridging, development, commercial, international and asset-backed requirements can be assessed through one specialist relationship.
The accountant remains the accountant.
Willow handles finance and regulated advice while referring tax, accounting and structural questions back to the client’s existing advisers.
Communication continues after the introduction.
The adviser remains responsible for progressing the finance requirement and coordinating with the relevant professionals through to conclusion.
Professional arrangements
Clear responsibilities from the outset.
An initial case discussion does not require a formal partnership. For ongoing introductions, Willow can establish written terms covering responsibilities, consent, information sharing, communication and any applicable remuneration.
Any remuneration and required client disclosures will be explained transparently before referrals begin.
Initial case conversations
- No obligation to establish a formal relationship.
- Anonymous scenarios can be discussed.
- No sensitive documents required.
- Willow explains whether a fuller assessment is worthwhile.
Ongoing introducer relationships
- Written introducer terms.
- Clear professional boundaries.
- Agreed referral process.
- Client-consent procedures.
- Progress reporting where authorised.
- Transparent treatment of any remuneration.
Frequently asked questions
Clear answers before the first introduction.
Do I need to provide the client’s identity before discussing a case?
No. Willow can discuss an anonymised outline based on the objective, approximate amount, timing and principal complication. Client information should only be shared when the client has agreed to the introduction.
Who provides the mortgage or finance advice?
Willow provides all mortgage and finance advice within its regulatory and professional remit. The accountant remains responsible for accounting and tax advice.
Can Willow work with the client’s existing tax and legal advisers?
Yes. Complex transactions frequently require coordination between finance, tax, legal and other professional advisers. Information is shared only where appropriate and with the client’s authority.
What types of clients can Willow assist?
Willow works with homeowners, company directors, landlords, developers, businesses, expatriates, international buyers and private clients across residential, investment, commercial and specialist property finance.
Is every form of finance arranged by Willow FCA regulated?
No. Some buy-to-let, commercial, bridging and development finance is not regulated by the Financial Conduct Authority. Willow explains the relevant regulatory status for the proposed transaction.
Will the accountant receive progress updates?
Where the client has authorised this, Willow can provide appropriate progress updates and involve the accountant when financial statements, tax information or structural input is required.
Does Willow charge for an initial case assessment?
There is no charge for an initial conversation, assessment of the broad requirement or presentation of appropriate potential routes. Any client or introducer terms that apply if the matter proceeds will be explained clearly in advance.
Are formal introducer terms required?
Not for an initial anonymous discussion. If a firm wishes to make introductions regularly or receive remuneration, appropriate written terms and disclosure arrangements should be established first.
Accountant complex case desk
Bring us the complication—not a packaged application.
Tell us what the client wants to achieve, the approximate amount, the timing and why the situation may not fit a standard lending route. That is enough for the first conversation.
Your information is handled in line with Willow’s privacy policy. Please do not send sensitive documents by ordinary email or WhatsApp. Lending is subject to status, valuation, lender criteria and full underwriting.
Call
Call a specialist adviser
+44 (0)20 7082 5175
Email
Email a high-level outline
No sensitive documents
WhatsApp
Message a non-sensitive outline
07824 634 483
Keep sensitive information secure. Do not send identification, bank statements or account information by ordinary email or WhatsApp. Willow will explain how to share documents securely.