Speak Directly With A Senior Property Finance Specialist


Mortgage, development, expat and private banking finance for clients with more complex borrowing requirements.

Independent advice. Whole-of-market access. Complex cases welcome.


✓ Residential Mortgages
✓ Buy-to-Let & Portfolio Lending
✓ Expat & International Finance
✓ Bridging & Development Finance
✓ Lombard & Asset-Backed Lending

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Read our latest expert analysis covering mortgage rates, lender criteria, property market trends, buy-to-let, bridging finance, development finance, expat lending and specialist property finance.

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Independent Advice. Specialist Knowledge. Proven Since 2008.

Why Clients Choose Willow Private Finance


For nearly two decades, Willow Private Finance has helped homeowners, landlords, developers, business owners and international clients secure funding across every area of the property market.


As an independent brokerage, we are not restricted to a single bank or lender panel. Instead, we search the wider market to identify lending solutions that genuinely fit your circumstances, whether that involves a straightforward residential mortgage or a complex funding requirement requiring specialist underwriting or private banking expertise.


Every recommendation starts with understanding your objectives rather than simply finding the lowest interest rate. We consider your wider financial position, future plans and the practical realities of your transaction before recommending a finance strategy designed to support both your immediate goals and your longer-term ambitions.


Our clients value clear advice, responsive communication and access to lending options that are often unavailable through a single bank. It is this approach that has helped build long-standing relationships with clients and professional introducers since 2008.


Wesley Ranger

Founder , Director, Senior Specialist Advisor

Why clients work with us

Our clients value clear advice, access to more lending options, and a finance strategy designed around their goals. It is this approach that has helped build long-standing relationships since 2008.

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Established since 2008

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Independent &
Whole-of-Market

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Residential, Commercial
& Specialist Finance

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High Street, Specialist Lenders
& Private Banks

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UK & International
Clients

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Complex Cases
Welcome

Recent Client Examples

Real examples of how we help clients structure property finance around complexity, liquidity, income profile and long-term objectives.

Case Study

Balancing Leverage, Liquidity & Flexibility On A £1.45M Purchase

A client required a finance structure that supported the purchase while preserving wider liquidity.

Read the case study → Case Study

First-Time Buyer Secures Low-LTV Mortgage With Protection Built Around Affordability

A first-time buyer needed a suitable mortgage and protection strategy aligned with affordability.

Read the case study → Case Study

Expat Buy-To-Let Remortgage Without UK Income

An overseas client needed to refinance a UK buy-to-let property despite having no UK-earned income.

Read the case study → Case Study

Structuring A £3.25M Tesco Investment While Preserving Liquidity

A high-value investment required careful structuring to protect liquidity and maintain flexibility.

Read the case study →
Explore More Client Outcomes

View Our Full Case Study Library

Browse our wider collection of client examples covering residential mortgages, buy-to-let, bridging finance, development finance, expat lending, private banking, Lombard lending and complex property finance.

View All Case Studies →

What We Do

Residential Mortgages

Residential Finance Tailored To Your Circumstances

Whether you are purchasing a home, refinancing an existing property, relocating, or navigating a complex income structure, we help secure mortgage solutions aligned with your objectives.

Employed & self-employed borrowers High-net-worth individuals Bonus, commission & dividend income Expats returning to the UK Larger or non-standard loan sizes

Our role is not simply to find a lender. We structure your application to maximise lender confidence and improve the likelihood of a successful outcome.

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Buy-To-Let Mortgages

Buy-To-Let Finance For Landlords, Investors & Portfolio Owners

Whether you are purchasing your first rental property, refinancing an existing buy-to-let, expanding a portfolio, or borrowing through a limited company structure, we help identify finance options aligned with your investment objectives.

Personal & limited company buy-to-let Portfolio landlord finance HMO & multi-unit property lending Expat and overseas landlord mortgages Capital raising against rental property

Buy-to-let lending is increasingly criteria-led. Rental stress testing, ownership structure, property type, portfolio exposure and wider tax planning can all affect lender appetite. We help structure applications clearly so lenders understand the strength of the borrower, the asset and the wider investment strategy.

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Expat & International Mortgages

Helping Expats & Overseas Buyers Finance UK Property

Whether you are a British expat living overseas, a foreign national purchasing your first UK property, relocating for work, or expanding an international property portfolio, we help secure mortgage solutions tailored to your circumstances.

British expat mortgages Foreign national mortgages Overseas buy-to-let finance UK residential purchases from abroad Returning expats moving back to the UK

International borrowing often requires specialist underwriting, with lenders assessing residency, currency, overseas income, tax residency and future plans differently. As an independent whole-of-market brokerage, we work with high street lenders, specialist banks and private banks to identify solutions that many overseas borrowers never discover on their own.

Explore Expat & International Mortgages
Bridging & Development Finance

Fast, Flexible Funding For Property Investors & Developers

Whether you need short-term finance to secure an opportunity quickly or funding for a ground-up development project, we help structure lending around your transaction, timescale and exit strategy.

Auction purchases Residential & commercial bridging loans Refurbishment & conversion projects Ground-up development finance Development exit finance Chain break & time-sensitive transactions

Speed, structure and lender appetite matter. We work with specialist bridging lenders, challenger banks, private lenders and development finance providers to help clients secure funding for both short-term property transactions and larger development schemes.

Explore Bridging Finance Short-term funding for purchases, refinance, refurbishment and exit strategies → Explore Development Finance Funding for ground-up developments, conversions and larger property schemes →
Private Banking & Lombard Lending

Unlock Liquidity Without Selling Your Investments

High-net-worth individuals, family offices and business owners often hold significant wealth in investment portfolios, listed securities and other financial assets. Rather than disposing of those investments to fund a property purchase or release capital, securities-backed lending can provide a faster and more tax-efficient alternative.

Lombard lending against investment portfolios Securities-backed borrowing Private banking mortgage solutions Property acquisition without liquidating investments High-net-worth & family office finance Liquidity planning & wealth preservation

Through our relationships with private banks and specialist lenders, we help structure borrowing that complements your wider wealth strategy. Whether you're purchasing prime residential property, expanding a property portfolio or requiring short-term liquidity, we work with lenders who understand complex financial arrangements and substantial asset holdings.

Explore Lombard Lending Borrow against investment portfolios while keeping your assets invested and working for you → Explore Securities-Backed Lending Flexible funding secured against listed investments, shares and diversified portfolios →

Why Willow Private Finance?

Property finance is about more than finding a lender. The right structure can create opportunities, reduce risk and support your wider financial objectives.

01

Independent & Whole Of Market

We are not tied to any bank, lender or institution. We assess the wider market to identify solutions that fit your circumstances.

02

Specialists In Complex Cases

We regularly assist clients with overseas income, portfolio ownership, business structures, development projects and high-value borrowing.

03

Access To Specialist & Private Banks

Alongside mainstream lenders, we work with specialist institutions and private banks often inaccessible to borrowers approaching the market directly.

04

Strategy Before Application

We focus on structuring transactions correctly from the outset, helping avoid unnecessary delays, declined applications and costly mistakes.

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Trusted Since 2008

For more than 17 years, Willow Private Finance has helped clients across the UK and internationally secure property finance.

06

One Relationship Across Multiple Funding Needs

From residential mortgages to portfolio lending, development finance and Lombard lending, we provide a single trusted point of contact.

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Specialist Finance, Lending & Protection Solutions

Tailored advice for individuals, businesses and professional advisers seeking sophisticated financial solutions.

At Willow Private Finance, we understand that every client has different ambitions, financial circumstances and long-term objectives. Whether you are purchasing property, refinancing existing borrowing, protecting your family or business, or looking to unlock wealth through specialist lending, we build solutions around your individual needs rather than forcing you into standard products.

As an independent, whole-of-market brokerage, we provide access to residential mortgages, buy-to-let finance, bridging loans, development finance, commercial lending, private banking and Lombard lending facilities, alongside a comprehensive range of personal and business protection solutions. Our expertise extends to UK and international clients, high-net-worth individuals, company directors, investors, expatriates and borrowers with complex financial structures.

By combining deep technical expertise with relationships across mainstream lenders, specialist lenders and private banks, we help clients secure funding, structure borrowing efficiently and protect the assets, income and people that matter most. Whatever stage of your financial journey you are at, our team is here to provide clear, strategic advice that delivers confidence and long-term value.

From mortgages and private banking to Lombard lending, business finance and protection planning, Willow Private Finance delivers bespoke solutions for even the most complex financial requirements.
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Telephone: 0207 082 5175