Knowledge Center
Expert insights, market updates, and specialist guidance to help you make smarter property finance decisions
The Willow Private Finance Knowledge Centre is designed for anyone looking to make informed property finance decisions — from first-time buyers and home movers to experienced investors and high-net-worth clients. Here you’ll find expert guides, market updates, and practical tips on securing the right mortgage, navigating complex cases, and making the most of current market conditions.
Whether your purchase is straightforward or highly specialised, our insights are here to help you plan with confidence.
In 2026, poor EPC ratings are directly impacting refinance pricing. Lenders are applying lower LTVs and higher margins to “brown” assets.
From May 2026, HMO lending is changing. Lenders are reassessing ICRs, tenancy risk, and covenants as the Renters’ Rights Bill reshapes underwriting.
Ahead of the March 2026 Spring Budget, portfolio landlords are reviewing liquidity, refinancing, and risk exposure while tax and lending rules remain known.
In Q1 2026, prime buyers face scarce stock and slow conveyancing. Waiting for possible summer rate cuts can cost more in lost deals than it saves.
A forensic look at how HNW individuals are bypassing high-street stagnation to secure £2M+ property finance through private bank technicality and AUM leveraging.
With the Renters' Rights Act launching in May 2026, professional landlords must pivot their financing strategy. Learn how to navigate the new periodic tenancy era.
Discover how the February 2026 Bank of England hold and Basel 3.1 regulations are reshaping UK mortgages for HNW individuals and professional landlords.
Analysis of the Feb 2026 Bank of England rate hold at 3.75%. Explore the impact of the 5-4 vote split on UK mortgages, HNW lending, and property investment strategies.
Stop build profits from being 'bricked-in.' Discover how SME developers use equity-out bridges to bypass sales delays and fund their 2026 pipelines.
Unlock hidden value in multi-unit freeholds through title splitting. Learn the legal mechanics, seasoning rules, and refinance strategies for 2026.