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Recent Articles


Portfolio Landlords and Stress Testing in 2026: How Underwriting Has Tightened

by Wesley Ranger • 25 February 2026
How PRA rules, ICR stress rates, and portfolio reviews shape underwriting for UK portfolio landlords in 2026.

Interest-Only Mortgages in 2026: Repayment Vehicles, Risk Assessment, and Lender Criteria

by Wesley Ranger • 25 February 2026
A detailed 2026 guide to interest-only mortgages, covering repayment vehicles, pension-based exits, asset-backed strategies, and lender underwriting criteria.

Buying a UK Property Through a Non-UK Company in 2026: What Lenders Will and Won’t Accept

by Wesley Ranger • 25 February 2026
Understand lender appetite in 2026 for UK property purchases through non-UK companies, including AML scrutiny, offshore SPVs, and tax considerations.

Can You Get a Mortgage on a Property with a Short Lease in 2026?

by Wesley Ranger • 25 February 2026
Learn how short lease mortgages work in 2026, including lender minimums, marriage value rules, valuation risks, and structuring options before extension.

The Sales Velocity Trap In 2026: Development Exit Finance Explained

by Wesley Ranger • 10 February 2026
In 2026, slower prime sales are colliding with maturing development loans. This guide explains exit finance strategies when units stall.

Private Bank Mortgages In 2026: Why AUM Now Matters More Than Rate

by Wesley Ranger • 10 February 2026
In early 2026, private banks are prioritising assets under management over headline rates when issuing prime mortgages. Here’s why.

High-Net-Worth Divorce And Property Settlements In 2026: Liquidity Challenges

by Wesley Ranger • 10 February 2026
In 2026, higher interest rates and tighter lending are complicating property settlements in high-net-worth divorces. This guide explains liquidity strategies.

The 2026 Commercial Refinance Wall: Bridging Strategies For Stressed Assets

by Wesley Ranger • 10 February 2026
In 2026, falling commercial valuations are colliding with loan maturities. This guide explains bridge-to-term strategies for landlords facing refinance gaps.

The "Brown Discount" in 2026 Refinancing: How Poor EPC Ratings Are Now Actively Punishing Loan Pricing

by Wesley Ranger • 9 February 2026
In 2026, poor EPC ratings are directly impacting refinance pricing. Lenders are applying lower LTVs and higher margins to “brown” assets.

Financing HMOs Post-May 2026: How Lenders Are Stress-Testing the New 'Periodic Tenancy' Regime

by Wesley Ranger • 9 February 2026
From May 2026, HMO lending is changing. Lenders are reassessing ICRs, tenancy risk, and covenants as the Renters’ Rights Bill reshapes underwriting.
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Willow Private Finance Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 588422
The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments
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