Willows Finance – Our promise to you

Willows Finance Limited is a leading secured loans broker specialising in homeowner secured loans, bridging loans and commercial loans. We have a focused approached to ensuring that the quality of service provided to customers is extremely high and that the accuracy of the underwriting and processing is second to none.

Why choose Willows Finance

With many secured loan brokers on the market, it can be sometimes difficult for customers to know which one will be the most suitable one for them. At Willows Finance, we provide a one stop shop, meaning we search from our panel of lenders so you can be confident you will get a competitive rate.

Our customers can also benefit from the good relationships we have with lenders, which gives them access to some exclusive loan offers not available direct to the public.

Once we have found the most suitable loan for you, we make sure the next steps are made easy for you and that you have all the information clearly presented to make an informed decision as to whether you would like to proceed. With the quotes we provide there is no obligation and no fees if you decide not to go ahead.

Professional team, no call centres – a truly personal service

The Willows Finance team are a highly experienced, friendly team that pride themselves on helping customers on a one-to-one basis, so customers really do receive a personal service. We have an experienced team of individuals who understand the wide scope of products and criteria available. We believe that this means customers could receive a greater chance of being found a loan that fits their criteria and could obtain lender acceptance.

This could be a big advantage to customers who may have found it difficult to obtain credit such as a secured loan in the past.

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.

Let us know what you're looking for today