Your home is one part of your financial life. Your income, business interests, assets and future plans all help shape how it should be financed.
Whether you are buying, moving, remortgaging or raising capital, Willow starts with your circumstances and objectives, then works through the structure, lender and product.
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Choose the starting point closest to your situation. Your plans may span several topics; we consider them together when assessing the financing.
Begin with the home you want, how you earn and the funds available. We consider the deposit, borrowing, purchase costs and reserves together, including how the decision affects your other commitments.
How you earn, what you own, your existing commitments and the property itself can all change the answer. We assess these together, alongside the timing of your transaction and your longer-term plans.
The same earnings can produce different borrowing figures because lender methodologies are not identical.
Commitments can matter as much as headline income, and lender models treat household costs differently.
The property needs to fit both your plans and the lender’s requirements. Construction, ownership, intended use and any proposed works should be understood early.
Your sale, purchase, existing mortgage and access to funds need to work together. We consider the sequence of the transaction as well as the completion date.
Use this calculator to explore a capital-and-interest repayment illustration. It is not an affordability decision, recommendation or mortgage quotation.
Excludes fees, insurance and future rate changes. Your home may be repossessed if you do not keep up repayments on your mortgage.
Discuss this illustrationFilter published residential cases by the issue that matters. These examples illustrate process and structure. Past outcomes do not guarantee future results.
Showing all 12 residential scenarios
Deposit provenance and variable earnings both shaped the lender presentation.
Read the client outcomeAffordability and protection were considered as one household decision.
Read the client outcomeThe remortgage supported future investment while retaining a structured plan.
Read the client outcomeSeveral liabilities and repayment objectives needed coordinating together.
Read the client outcomeThe route depended on presenting the sustainable income in the right way.
Read the client outcomeContract income and the family objective required a tailored lender approach.
Read the client outcomeProperty construction and valuation acceptability were central to the route.
Read the client outcomeCommercial surroundings narrowed lender appetite before affordability was considered.
Read the client outcomeAcreage, outbuildings and intended use formed part of the property assessment.
Read the client outcomeTerm, income and the wider retirement objective shaped the recommendation.
Read the client outcomeDeposit support, term and sustainable retirement income were assessed together.
Read the client outcomeThe timing and severity of historic issues affected the available route.
Read the client outcomeYour adviser brings the financial picture together and develops the mortgage recommendation. Our administration team supports the evidence, lender requirements and progress through to completion.
Discuss your plans, income, assets, business interests, commitments and property. Establish the borrowing need, timing and liquidity you want to retain. This initial assessment is free, with no obligation.
Assess how the borrowing fits your wider position, then compare suitable lenders, products, total costs, flexibility and risks. Explain the appropriate solutions and every cost before you decide whether to proceed.
Present your circumstances clearly to the lender, support the application with evidence, coordinate valuation and respond to underwriting questions.
Coordinate with the lender and your solicitor, address offer conditions and keep the financing aligned with the transaction through to completion.
There is no charge for the initial conversation, assessment or presentation of appropriate solutions. Our fee only becomes payable if you choose to proceed, after all costs have been made clear.
The amount you can borrow is one question. How the borrowing affects your cash flow, available capital, business and future plans matters too.
Where appropriate, and with your authority, we work alongside your accountant, tax adviser, wealth manager or solicitor. Their input helps us understand the implications for the financing, while they remain responsible for their specialist advice.
Start your mortgage reviewExplore the income, affordability and property questions that can affect your financing. These articles provide context for a conversation about your circumstances.
Student loans, childcare and other commitments can materially change mortgage capacity.
Read the analysis PropertyLeases, service charges, building safety, valuations and commercial premises can affect lender appetite.
Read the analysis Lender policySome lender models are beginning to recognise the lower running costs of efficient homes.
Read the analysisThe answers are general guidance. The position may differ according to the borrower, property, product and lender criteria.
Ask about your circumstancesNo. Our focus is on the circumstances and the work needed to solve the financing problem. Complex income, company interests, an unusual property or a difficult transaction can require careful advice at different loan sizes. Whether we can help depends on your position and the available lending options.
Yes. With your authority, we can work alongside your existing advisers to understand how company income, ownership, tax considerations, investments and future plans affect the financing. Willow advises on the borrowing; your other advisers remain responsible for their legal, tax or investment advice.
No. Tell us what you want to achieve and outline your income, assets and existing commitments. We assess the financing need first. If raising capital involves more than your home, we can consider the wider position before identifying the appropriate options.
No. Speaking with a Willow adviser, assessing your circumstances and presenting appropriate mortgage solutions are free and carry no obligation. We only charge if you decide to proceed, and we explain all costs before you engage us.
The deposit depends on the property, applicant profile and lender. A larger deposit can widen lender choice and improve pricing, but the source of funds and remaining reserves also matter.
Lenders assess income, commitments, dependants, term, deposit and property. Their affordability models differ, so a generic income multiple is only a starting point.
Often, yes. The proportion used and evidence required vary by lender and may depend on consistency, frequency and track record.
Yes. The assessment may consider salary, dividends, profit, retained earnings, trading history and the strength of the business, depending on lender policy.
Sometimes, but not automatically. Repaying debt can improve affordability, although it may also reduce the available deposit. The effect should be modelled before funds are moved.
Starting several months before the current deal ends usually allows time to compare staying with the lender, switching lender, changing the term or raising capital.
No. It is an initial indication based on limited information. Full approval still depends on evidence, credit checks, valuation and underwriting.
The lender may reduce the loan, change the loan-to-value pricing or decline the property. Willow can explain the options, but a different valuation or outcome cannot be guaranteed.
Tell us what you want to achieve, what makes the financing complicated and when you need it. An outline of your income, assets and existing borrowing is enough to begin; you do not need a product in mind or every document ready.
No fee. No obligation.
Speaking with an adviser, assessing your circumstances and presenting appropriate solutions costs you nothing. You only pay us if you decide to proceed, after every cost has been explained.
Keep sensitive information secure.
Do not send bank statements, identification documents or other sensitive information by ordinary email or WhatsApp. Willow will explain how to share documents securely when required.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Willow Private Finance Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 588422.
Information on this page is general and does not constitute personalised mortgage, legal or tax advice. Lending is subject to status, valuation, lender criteria and full underwriting.
