Loan & Mortgage experts

Get your best secured loan, mortgage or bridging finance options today.

Secured Loans

Borrow from £10,000 to £500,000 with a secured loan availabe to homeowners.

Mortgages

Buying, remortgaging or Buy-to-Let, we compare the UK’s top mortgage options.

Bridging Loans

Fast, tailored finance from £100,000 to £25m – for many types of commercial uses.

Rated ‘Excellent’

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Get accepted for the best loan and mortgage deals in 4 simple steps…

Finding the right loan or mortgage doesn’t have to be complicated! We’ve made the process clear and simple. Whether you’re applying for a Secured Loan, Mortgage or Bridging Finance, we’ll compare the market for the best options that meet your criteria and provide you with a fast no-obligation quote.

Apply in
under 2 min

The initial enquiry takes under 2 minutes to request an in-principle loan or mortgage quote.

See options without affecting credit score

We compare a wide range of lenders to provide your best options quickly –  without affecting your credit score.

We guide you through the simple process

Happy with your quote – we’ll make completing the process simple and easy for the lender to approve.

Money released quickly and securely

We’re here to help every step of the way and ensure you get your money quickly.

Providing a ‘human’ approach to borrowing...

An amazing service provided by an experienced team that genuinely wants to help you

At Willows Finance, we remove the guesswork by comparing a wide range of lenders so you can always be confident in getting the best options available to you – without the need to go anywhere else.

 

Our human approach means we can often help when things aren’t straightforward or ‘computer says no’. We have the expertise to tailor a loan or mortgage solution around your needs AND the lender will accept.

 

This is where we really make the difference for you.

Ready to apply?

Request a quote in under 2 minutes...

Getting a quote won’t affect your credit score

Trusted by 1,000s of customers across the UK

We’re extremely proud to be rated ‘Excellent’ for our service standards year after year. Since 2008 we’ve helped thousands of customers across the UK to find the right finance for their needs – no matter how complicated the circumstances.

Excellent

5 stars

Based on 91 reviews

Privacy & Cookie Policy

At Willows Finance we ensure your personal information is kept secure and confidential.


PRIVACY OF YOUR INFORMATION


At Willows Finance Ltd, we appreciate that your privacy is extremely important to you. With this in mind, we have put in place a number of measures to ensure that any personal details we obtain from you as a result of visiting this website is processed and maintained in accordance with accepted principles of good information handling and also in accordance with the Data Protection Act 1988.

 

This statement provides you with details of the type of information we may hold about you, how we obtain and use information and how we protect your privacy.

Clients Agreement

Information About the Services We Provide

Client Agreement and Initial Disclosure Document

Willows Finance Limited
Brocastle, Bridgend, CF35 5AS

Authorised and regulated by the Financial Conduct Authority
Firm Reference Number: 670052
Company Number: 6678545 (Registered in England and Wales)

This document outlines the services we provide. If you need clarification, please contact us at 01656 766158.

 

Which Products Do We Offer

We offer first and second charge regulated mortgage contracts for business or personal use.

Other finance options may include:

  • Remortgage
  • Further advance with your first charge lender
  • Unsecured loan

Regulatory Status:

  • Residential mortgages are regulated by the FCA
  • Buy-to-let and business use mortgages are not usually regulated
  • Some buy-to-let mortgages may qualify as “consumer buy-to-let”

 

Whose Products Will Be Offered

  • We use a representative panel of lenders for second charge mortgages.
  • We use a limited number of lenders for first charge mortgages (list available on request).

 

Which Service Will Be Provided

We offer an advised mortgage broking service and provide enough information for you to make an informed decision.

We are not independent financial advisers. Free debt advice is available from the Money Advice Service.

 

Privacy Policy

You can view our privacy policy at: https://willowsfinance.co.uk/privacy-cookie-policy/.

Lenders may also have their own privacy policies which will be provided to you.

 

The Cost of Our Services

We charge a broker fee upon loan completion. The average fee is approximately 5%, depending on your situation.

 

Fee details:

  • Maximum fee: 12.5%
  • Typical range: £0 to £3,500
  • Example: £100,000 first charge = £2,500 (2.5%)
  • Example: £100,000 second charge = £3,500 (3.5%)

No refund is offered after completion. You may pay upfront or add the fee to your mortgage. Fees and commission will be detailed in your ESIS and Mortgage Agreement.

 

The Mortgage Offer

You will receive a Mortgage Agreement and an ESIS document detailing:

  • Interest rate
  • Repayment schedule
  • Total amount payable
  • Lender details

 

Cancellation Rights

You may cancel your application anytime before completion without any charge. Mortgages cannot be cancelled after completion.

 

Arrears / Missing Payments

Missing payments can lead to charges, repossession, and negative impacts on your credit rating.

 

Risk Warnings

Consolidating debt may result in higher long-term interest. Securing debt against your home increases risk.

Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.

 

Complaints

If you wish to complain, contact us at:

Willows Finance Limited
Brocastle, Bridgend, CF35 5AS
Tel: 01656 766158

You may be able to refer your complaint to the Financial Ombudsman Service.

 

Financial Services Compensation Scheme (FSCS)

We are covered by the FSCS. You may be eligible for compensation of up to £85,000 per person per firm for mortgage advice and arranging.

More info: www.fscs.org.uk

 

Next Steps

After processing your application, you’ll receive a Mortgage Agreement and have a 7-day reflection period.

Contact us during this period with any questions. To proceed, sign and return the agreement.

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