We take THE time to understand you.
At Willow Tree Financial Services we help you save time and money by understanding your needs and objectives, allowing us to focus on lenders and providers whose underwriting criteria will suit YOU.
Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.
You need to use the value in your property to help provide income...
A bridging loan could fill the gap if you need short term finance while you sell a property...
A commercial mortgage can help you plan your business development in a manageable & affordable way...
Commercial mortgages are available by referral to a master broker only.
The Financial Conduct Authority do not regulate buy to let mortgages, commercial mortgages and bridging finance.
RESIDENTIAL & COMMERCIAL MORTGAGES, BUY TO LET MORTGAGES, BRIDGING FINANCE & EQUITY RELEASE.
Your home may be repossessed if you do not keep up repayments on your mortgage
The mortgage market is forever changing, both in terms of the offers available, regulation by the Financial Conduct Authority, and how lenders assess loan applications. As experienced and knowledgeable Mortgage Advisers, we aim to remove the stress from the mortgage process. We have access to thousands of mortgage products, including exclusive products which are not commonly available on the High street.
As part of our service, we search the market to find the product that is most suitable for your needs.
We can help:
First time buyers
Home owners wishing to re-mortgage
By keeping in close contact with our clients throughout what can be a very involved and stressful time of their lives, we are able to help project manage the otherwise demanding house buying process.
From early advice on what sort of property to purchase, to helping find a good solicitor, through to advice on which survey to instruct and ensuring all documents and paperwork are forwarded and submitted at the right times, we are on hand to help and advise wherever we can.
THE FINANCIAL WORLD CAN BE EXTREMELY COMPLEX
It is not as simple as looking for the lender with the cheapest rate, or insurer with the cheapest premium.
Yes, the interest rate or premium is key as a starting point. However, how might that change in the short, medium or long term?
We undertake a comprehensive review of other key factors that affect the real cost to you. For example, some lenders charge arrangement fees that can be large enough to make the overall cost of lending unattractive, when compared to others.
Other key features of mortgages that you need to consider are:
Early repayment charges – if you wish to partially or fully repay your mortgage during its term:
Portability of the loan – if you move, you may wish to keep your current mortgage
Fixed rate – would you benefit by fixing the interest rate with the lender for a set period?
Annual percentage rate (APR) – what is the real cost of borrowing, not just the interest rate charged?
Flexibility – the ability to overpay, take payment holidays, or switch repayment types
Frequency of interest additions – how often the lender calculates and adds interest to your loan, for example daily, monthly, or annually, can affect the cost of your borrowing.
Insurance is very similar – we will advise you so that if you ever need to make a claim, you or your dependants, will receive what you were expecting.
This is why analysing and monitoring the enormous range of products is important. This ensures you get the best solution.