Investing in properties across borders often presents unique hurdles, but with the right guidance, these can be transformed into stepping stones.

Take, for instance, one of Willow Private Finance's recent successes involving an expatriate client, living in the bustling hub of Dubai. The client's scenario was complex: Not only did they have a layered Ltd Co, but they also had been away from the UK for such an extended period that their credit footprint had virtually vanished. The challenge was further compounded when the client purchased a stunning house in Winchester with the intent to flip, only to consider transitioning it into a holiday or short-term let later on.

For many, this might seem like an insurmountable task, but Rob Holmes of Willow Private Finance saw it as a challenge to be conquered. Most mortgage providers for holiday lets would typically rely on the Assured Shorthold Tenancy (AST) rental income for their stress tests. Given this standard practice, the property's monthly AST rental income fell short of achieving a 75% Loan to Value (LTV) ratio. This had the potential to seriously curtail the client's investment returns, especially with many lenders offering rates ranging between 6.5% and 8%.

Recognizing the intricacies of the client's needs, Rob, with his profound understanding of the market and its products, delved deep to find a fitting solution. He pinpointed a lender who utilized the High/Medium/Low holiday let income for their stress tests. This strategic move enabled the client to borrow the full 75% LTV, allowing them to retain the property as a holiday let without compromising on their returns.

The client's journey from purchasing a home in Winchester to navigating the complexities of holiday let mortgages exemplifies the importance of having a knowledgeable broker by your side. It's not just about securing a mortgage; it's about finding the right fit that aligns with an investor's vision, goals, and circumstances.

The triumph of this particular case reiterates Willow Private Finance's commitment to personalized solutions. With brokers like Rob Holmes at the helm, who continuously strive to find innovative solutions for clients, property investors can confidently move forward with their ventures, irrespective of the challenges that lie ahead.



Rob's unparalleled expertise and his unwavering commitment to his clients have continually led to fruitful outcomes. This recent success story is a testament to his dedication and the unique value that specialist brokers from Willow Private Finance bring to the table. As shown time and again, with the right professional guidance, property investments can indeed be a rewarding endeavor.