MORTGAGES

Thinking about buying a new home OR investment property?

Need trusted, local help? Affordable & sustainable solutions designed for you...

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.

First Time Buyers

You want to get on the property ladder and own your own home...

Couple consulting with real estate agent

Remortgages

You don't want to waste money by paying more than you should for your current or future borrowing...

Buy to Let

You want to invest in property and become a landlord...

Bridging Finance

A bridging loan could fill the gap if you need short term finance while you sell a property...

Commercial

A commercial mortgage can help you plan your business development in a manageable & affordable way...

Get Mortgage Ready

Book a free, initial, no obligation appointment with us so that we can get you Mortgage Ready.

Commercial Mortgages are available by referral to a master broker only.
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The Financial Conduct Authority do not regulate Commercial Mortgages, Bridging Finance and some Buy to Let Mortgages.

Some bridging loans are regulated (Residential) but these are referral only.

MORTGAGE TYPES

Residential & Commercial Mortgages, Buy to Let Mortgages & Bridging Finance

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, through our network Quilter Financial Planning, which are not commonly available on the High street.

SIMPLIFYING FINANCE

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 movers
Home owners wishing to re-mortgage
Buy-to-let investors
Commercial mortgages

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.

Rachael speaking with an older male customer

MORTGAGE TYPES

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.

MORTGAGE TYPES

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 of charge (APRC) – 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 most suitable solution.

MORTGAGE TYPES

A first property purchase can be an exciting, but scary time

Before you start looking for your dream home, you will need to know what’s actually within your price range. You should research not only how much you can borrow, but how much it will cost you to pay back each month.

Don’t forget to also allow for other essentials such as Life, Serious illness and income protection.

If you are buying a freehold property then Buildings Insurance is mandatory as a condition of the mortgage. If you are looking at a freehold property (flats) there may be additional maintenance charges to pay.

Book a free, initial, no obligation appointment with us so that we can get you Mortgage Ready.

We'll have a look at your circumstances and check over your documents so that when the times comes you look as attractive as possible to a lender, and are ready to go.

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