Bespoke Mortgage Solutions for Residential, Business & Private Clients


Email: enquiries@willowprivatefinance.com


Telephone: 0207 082 5175


Speak To Us On WhatsApp

Residential & Buy-to-Let Mortgage Solutions

Residential Mortgages Structured Around You

Whether you’re buying your first UK home, relocating, or refinancing an existing property, securing the right residential mortgage requires more than simply comparing rates, it requires the right structure.


At Willow Private Finance, we take a tailored approach to residential lending, working with a wide range of high street banks, specialist lenders, and private institutions to match your circumstances with the most suitable solution.


We support clients across a broad spectrum, including:


Employed and self-employed borrowers

High-net-worth individuals with complex income structures

Expats returning to the UK or purchasing from abroad

Clients with multiple income streams, bonuses, or overseas earnings

Individuals requiring larger or non-standard loan sizes


Our role is to position your application correctly from the outset—ensuring income is presented effectively, affordability is structured appropriately, and the case is aligned with the right lender’s criteria.


This approach allows us to:


Access lenders not always available on the open market

Secure competitive terms even in complex scenarios

Reduce delays, rework, and declined applications

Provide clear, independent advice at every stage


Whether your situation is straightforward or complex, we focus on delivering a financing solution that supports your longer-term objectives—not just the immediate transaction.

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Buy-to-Let Finance Structured for Investors

Building or expanding a property portfolio requires more than access to finance, it requires the right lending strategy.


At Willow Private Finance, we work with investors at every stage, from first-time landlords to experienced portfolio clients, structuring buy-to-let finance that aligns with your investment goals, income profile, and long-term strategy.


We support a wide range of scenarios, including:


First-time and experienced landlords

Portfolio and multi-property investors

Limited company (SPV) structures

High-net-worth and complex income clients

Expats and overseas investors acquiring UK property

Clients seeking to refinance, release equity, or optimise existing portfolios


Our approach goes beyond sourcing a mortgage. We structure each case to ensure it fits both lender criteria and your broader objectives—whether that’s maximising leverage, improving cash flow, or positioning for future acquisitions.


This allows us to:


Access specialist buy-to-let and portfolio lenders

Structure lending across multiple properties efficiently

Navigate complex ownership structures, including SPVs

Optimise borrowing against rental income and portfolio performance

Secure funding in scenarios where standard lenders fall short


Whether you’re acquiring your first investment property or scaling a multi-million-pound portfolio, we focus on delivering funding solutions that support sustainable growth, not just the next transaction.

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Choosing an independent, specialist finance broker gives you far more than access to funding,  it gives you clarity, strategy, and representation in a market that increasingly rewards experience and precision.


Unlike tied or volume-driven intermediaries, our advice is not influenced by lender relationships, sales targets, or product bias. Every recommendation is shaped around your financial objectives, your risk profile, and the realities of your transaction, whether that involves complex income structures, time-sensitive purchases, portfolio expansion, or high-value property assets.


We take the time to fully understand your position before structuring a solution, ensuring you see the full range of viable options and the implications of each. This allows you to move forward with confidence, knowing your decisions are informed, commercially sound, and aligned with your longer-term goals.


In today’s competitive property landscape,  where lending criteria are tighter, underwriting is more nuanced, and opportunities move quickly, independent, specialist advice is no longer a luxury. It is essential. Our role is to help you navigate complexity, avoid costly missteps, and secure finance that genuinely supports your ambitions.


Wesley Ranger

Founder and Director of Willow Private Finance

Structured Lending & Bespoke Property Finance Across All Sectors

Expat Property Finance Structured for International Clients

Securing UK property finance while living overseas requires a different approach, one built around structure, not standard criteria.


At Willow Private Finance, we specialise in arranging mortgages and property finance for expats and international clients, working with lenders who understand foreign income, cross-border risk, and complex financial profiles.


We support a wide range of clients, including:


British expats living and working abroad

Overseas investors acquiring UK property

High-net-worth individuals with international assets

Clients earning in foreign currencies or multiple jurisdictions

Business owners, contractors, and professionals with complex income structures

Expats looking to refinance or release equity from UK property


Our role is to structure your application correctly from the outset—ensuring your income, residency status, and overall financial position are presented in a way lenders can assess with confidence.


This approach allows us to:


Access specialist expat and international lenders

Navigate foreign income, currency considerations, and tax structures

Secure funding where high street lenders often decline

Structure lending for both residential and investment purposes

Deliver clear, independent advice across jurisdictions


Whether you’re purchasing a UK home from abroad, building an investment portfolio, or refinancing an existing property, we focus on delivering funding solutions that reflect your international profile—not forcing your case into standard lending models.

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Development Finance Structured for Delivery and Scale

Development finance is not just about funding a project, it’s about structuring a deal that can be executed with certainty.


At Willow Private Finance, we arrange development funding for a wide range of projects, from single-unit builds to large-scale residential and mixed-use schemes. Our focus is on aligning the right funding structure with your project’s viability, timeline, and exit strategy.


We support developers at every level, including:


First-time developers with strong professional teams

Experienced developers scaling their portfolio

Property investors moving into ground-up development

High-net-worth individuals and family offices

International clients developing or investing in UK projects


Our role goes beyond introducing a lender. We structure each transaction to ensure it meets both lender requirements and real-world delivery constraints—reducing risk at every stage.


This approach allows us to:


Access senior, mezzanine, and stretched senior funding

Structure deals based on GDV, cost, and exit strategy

Align funding with build timelines and cash flow requirements

Support complex or non-standard developments

Secure funding in situations where traditional lenders cannot participate


We work closely with developers, professional teams, and lenders to ensure each deal is presented with clarity, covering everything from site acquisition and planning status to build costs and exit strategy.


Whether you’re delivering a single project or building a long-term development pipeline, we focus on structuring funding that enables execution, not just approval.

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Lombard Lending & Asset-Backed Finance for Private Clients

For high-net-worth individuals, liquidity doesn’t always come from income, it comes from assets.


Lombard lending allows you to unlock capital against investment portfolios, without the need to liquidate holdings. At Willow Private Finance, we structure asset-backed lending solutions for private clients seeking flexible, efficient access to capital while preserving long-term investment positions.


We work with a range of clients, including:


High-net-worth individuals and private clients

Investors with substantial equity portfolios

Clients holding bonds, funds, or diversified investment accounts

International clients with multi-jurisdictional assets

Individuals seeking liquidity without triggering tax events


Our role is to structure lending facilities secured against your assets, aligning the loan with your wider financial strategy, whether that’s property acquisition, investment opportunities, or liquidity planning.


This approach allows us to:


Unlock capital without selling underlying investments

Structure lending against a wide range of liquid assets

Provide flexible, revolving credit facilities

Work with private banks and specialist lenders

Deliver discreet, tailored solutions aligned with wealth strategies


Lombard lending is not a one-size-fits-all product. It requires careful structuring around asset composition, volatility, and overall exposure, ensuring the facility supports your objectives without introducing unnecessary risk.


Whether you’re acquiring property, funding an opportunity, or managing liquidity, we focus on delivering asset-backed solutions that integrate seamlessly with your broader wealth position.

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See Our Case Studies


 Not every case fits standard lending criteria, and that’s where we add value.


Explore our case studies to see how we’ve delivered results for clients across residential, investment, development, and high-value transactions. From complex income structures to multi-asset refinances, these are real examples of how the right approach can unlock the right outcome.

Your Property Goals, Our Expertise.


Start your property journey with a tailored strategy today.


At Willow Private Finance, we understand that no two clients — or property plans — are ever the same. That’s why we work across the entire lending market, building tailored solutions that range from simple residential mortgages to complex development and international finance.


Our direct relationships with mainstream banks, specialist lenders, and private institutions allow us to secure funding options and terms that aren’t typically available on the high street. From homeowners and landlords to expats, developers, and high-net-worth investors, we provide independent advice and bespoke strategies that give you clarity, flexibility, and confidence to move forward.


Whatever your goals, we’re here to make sure your finance works harder for you, turning complex challenges into clear, strategic solutions that unlock opportunity.



Speak To Us On WhatsApp

Email: enquiries@willowprivatefinance.com


Telephone: 0207 082 5175