From understanding you
to seeing it through.
Finding finance is one part of the job. We explain your circumstances to lenders, negotiate the terms and help manage each step until your finance is in place.
Understand what happens next, who is helping you and where we may need your input. Choose a chapter and explore at your own pace.
The people behind
your next steps.
Your booking confirmation tells you which adviser you’re meeting. The chapters below introduce the people helping at each stage.
Choose a chapter.
See what happens next.
Explore what we take care of, who is helping you and where we may need your input. Select any chapter below, or follow the guide with “Next”.
This is a guide to the process, rather than a live view of your case. Your adviser will explain the steps that apply to you.
Thank you for trusting Willow with your plans. We’re delighted to have helped you reach this point.
Your documents, in one place.
Your Willow online account gives you a secure place to share the information we ask for.
- Upload the documents requested by your team.
- Read and acknowledge your client agreement.
- Keep sensitive paperwork out of ordinary email and WhatsApp.
Having everything together makes it easier for our team to check what you’ve provided and explain anything still needed.
Open your secure account ↗We’ll send you an invitation with instructions. If it hasn’t arrived or you need help signing in, contact the Willow team.
A few useful
things to know.
You don’t need every answer before we speak. Start with your plans and the information you have.
What information might be useful?
What you earn, what you own, what you owe and your timescales help us understand where to start.
These are examples to help you prepare. We’ll tell you which documents we need, how far back they should go and how to share them securely. We may also ask for ID, proof of address and bank statements.
What else should I bring into the conversation?
Tell us about connected needs now, even if they are for later.
Would your family and bills be covered if you died, became seriously ill or could not work? Tell us about any insurance you already have.
Does your business need money for day-to-day costs, premises or growth? What would happen if an owner or essential team member could no longer work?
Do you own other properties, have mortgage deals ending soon or plan to build or renovate?
How much cash do you want to keep available? If you hold investments, we can discuss whether borrowing against them is worth exploring, including the costs and risks.
Mention anything you would like to discuss. We’ll explain whether it is relevant to your plans.
Does everyone follow the same steps?
This guide shows the usual journey when borrowing against property. The lender’s property assessment, financial checks and your solicitor’s work may happen at the same time. The details depend on what you are financing.
Borrowing against unpaid invoices or investments follows different checks. For insurance, the insurer reviews your application before confirming when your cover starts. Your adviser will explain the steps that apply to you.
A question at any stage?
Contact the central Willow team by email, WhatsApp or phone.