Disclaimer - Willows Finance

Willows Finance LTD is committed to keeping this website up to date and accurate. Should you nevertheless encounter anything that is incorrect or out of date, we would appreciate it if you could let us know. Please indicate where on the website you read the information. We will then look at this as soon as possible. Please send your response by email to: customerservice@ex.comwillowsfinance.co.uk.

We are not liable for loss as a result of inaccuracies or incompleteness, nor for loss resulting from problems caused by or inherent to the dissemination of information through the internet, such as disruptions or interruptions. When using web forms, we strive to limit the number of required fields to a minimum. For any loss suffered as a result of the use of data, advice or ideas provided by or on behalf of Willows Finance LTD via this website, Willows Finance LTD accepts no liability.

All intellectual property rights to content on this website are vested in Willows Finance LTD.

Copying, disseminating and any other use of these materials is not permitted without the written permission of Willows Finance LTD, except and only insofar as otherwise stipulated in regulations of mandatory law (such as the right to quote), unless specific content dictates otherwise.

If you have any questions or problems with the accessibility of the website, please do not hesitate to contact us.

LOANS ARE SECURED AGAINST PROPERTY. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED UPON IT.

Willows Finance is a credit broker not a lender using a representative panel of lenders. We work with a Panel of Lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration.

For credit broking, we do not provide or offer advice or recommendation. Whichever lender we introduce you to we will receive commission from. Different lenders pay different amounts based on different commission models and interest amounts. For transparency we work with the following commission models: percentage of the amount you borrow, rate for risk (this is based on the risk profile of the proposal).

Willows Finance Limited is authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority FCA register number is 670052 . We are registered under the Data Protection Act No. Z1447660 and are a member of the Association of Finance Brokers.

Willows Finance Limited registered address is Brocastle, Bridgend CF35 5AS. Company registered in England.

Registration number 6678545. Copyright © 2025 Willows Finance Ltd

Legal

Contact Us

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.