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AT WILLOW PRIVATE FINANCE

WE ARE COMMITTED TO PROVIDING OUR CLIENTS WITH A SPECIALIST AND BESPOKE SERVICE FROM BEGINNING TO END.

A SPECIALIST AND BESPOKE SERVICE

Client satisfaction is central to our business ethos, working closely with you to achieve the best possible results in terms of pricing, flexibility and ultimately achieving your objectives.

 

We understand and appreciate the complexities involved with Lending Specialists, we are here to assist you as we have done form many high-profile individuals, families, and businesses many of whom are non-UK residents, have offshore income, assets and international interests.

Our services can be related to a property purchase (residential, individual buy-to-let, or an acquisition of a property investment portfolio), raising commercial investment finance, development finance, bridging finance, or Lombard lending.

We offer tailored solutions to suit your needs in order to acquire property / invest in UK.

EXCLUSIVE ACCESS TO FUNDS

  We like to be judged on our successes, and often provide. solutions which are exclusive to our firm and not available to the general Broker market. We have access to UK based & offshore private banks, challenger banks, secondary market lenders, specialist lenders, small funds, a select number of private individuals that offer funding on a senior debt and JV basis, as well as high street lenders.  Most of our business is specialist in nature, and our clients include foreign nationals, high-net-worth individuals, and property investors, who are looking to either buy or refinance investment properties or properties for their own personal use.

Case Studies

Client 1

Client position

A UK national living in France who owns a commercial investment property in the UK.

Requirements

Achieve 50% LTV to redeem the current mortgage on the property.

The challenges

The client is 72 years old, the property was occupied by vulnerable children and operated by a care business. There was an almost blanket refusal to lend against it due to perceived reputational risk from lenders in the event of loan default.

 Terms achieved by Willow Private Finance

Secured a loan of 4% above BOE base rate (currently .75%) 1.5% bank arrangement fee, 20 year committed term, a 10-year interest only facility.”

 

 

 

 

 

Client 2

Client position

A UK national who is living in Zurich.
Requirements

Client wanted to de-leverage their existing Lombard facility, by organising a cross charged facility.

 The challenges

 

Since Brexit, a number of Private Banks have stopped lending
to EU residents. In addition to this, most PBs insisted on offering a
discretionary mandated investment service..

 Terms achieved by Willow Private Finance

70%LTV.Margin of 1.99% above LIBOR. 1% bank arrangement fee.Mortgage term until 67th birthday. Normal valuation and legal fees applied.”Secured a lender that offered 75% against the client’s investment portfolio

 

.7% margin over Euribor.

In addition to that, we secured a cross charge against an unencumbered property in France to de-leverage risk away from margin calls on her Lombard facility. 

Client 3

Client position

A UK national who had been living in various offshore locations for 25+ years.

Requirements

Client wanted to relocate to the UK and purchase a new residential property for £2m.

 The challenges

 

High street banks were reluctant to lend as client had been
out of the UK for 25+
 years. The client’s business was only two years old and was based in the
Bahamas. The company had no reporting obligations and therefore no audited
accounts.

 Terms achieved by Willow Private Finance

Secured a lender who considered income verification in the form of management accounts, bank statements for the trading period and a copy of a key client contract to demonstrate the durability of the business.

Achieved 70% on an interest only basis.

Term tracker product of 1.29% above bank base rate (.75%).

 

Bank arrangement fee of .75% with standard valuation and legal fees.“

Client 4

Client position

A UK national who had no demonstrable income as he had recently sold his trading business.

Requirements

To effectively re-structure an existing debt of £2.2m with a private bank.

The challenges

The client’s age (50+) meant loan terms were not  restrictive and the  security address was not deemed desirable by many lenders so it was higher risk if the loan defaulted.

Terms achieved by Willow Private Finance

Secured lender who applied the ‘high net worth individual exemption’, meaning the normal regulatory affordability rules did not apply.

Committed term extended until 70 years of age.

The loan was arranged as interest only – agreeable with his overall investment strategy

A margin of 1.19% over bank base rate (currently .75%).

.5% bank arrangement fee with standard valuation fees.

 

 

 

 

Client 5

Client position

A French national living in Dubai.
Requirements

To refinance a buy-to-let property in London for £500,000.

 The challenges

High street banks were reluctant to lend to a non-UK national also residing in the UK, unless the loan was above £1m and the client satisfied private banking criteria. The property was also ex-local authority apartment which is typically more difficult to refinance.

 Terms achieved by Willow Private Finance

70%LTV.Margin of 1.99% above LIBOR. 1% bank arrangement fee.Mortgage term until 67th birthday. Normal valuation and legal fees applied.”

 

 

 

 

 

Client 6

Client position

A Qatari national living in Dubai who owned 23 properties in a UK based Limited company and LLP with an overall portfolio value of £32m.

Requirements

To achieve 65% LTV and capital raising to reinvest into a trading business in Dubai.

The challenge

The UK properties consisted of low yielding but strong covenanted properties and due to the yield being low, finding a bank to support the required level of debt (based on marketable rent) was difficult.

Terms achieved by Willow Private Finance

Secured a loan of 2.25% above BOE base rate (currently .75%).5% bank arrangement fee.20 year committed term.An interest only facility with a requirement to pay down LTV to 50% within 5 years.In addition, as the client had strong family assets, this meant extra reassurance could be provided to the lender to support the required level of borrowing, despite the marketable rent being unable support it.

Client 7

Client position

A UK national with a Guernsey based trading business. Income over past 3 years was in the form of the repayment of a Directors loan. Client owned a residential buy-to-let property in London worth IRO of £3.5m.

The requirement

As the property was owned by a French SCI, the client needed to find a £2m loan to pay off the French bank.

The challenge

Limited opportunities from lenders due to the inability to demonstrate regular income and the ultimate beneficial owners of the SCI being 60+ years of age.

Terms achieved by Willow Private Finance

Secured a loan from a Kuwaiti bank to the French bank.

Obtained a 5-year fixed rate of 3.99% with borrowing driven by the marketable rent Bank arrangement fee of 1% achieved to include the valuation and legal fees.In addition, as the client had strong family assets, this meant extra reassurance could be provided to the lender to support the required level of borrowing, despite the marketable rent being unable support it.

I CAN ALWAYS RELY ON WILLOW PRIVATE FINANCE FOR ALL MY PAST, CURRENT AND FUTURE FINANCIAL SERVICES. ALWAYS EAGER TO HELP US AND GET THE RESULT WE NEED. THANKS AGAIN.”

PRIVATE CLIENT
”WES HAS ADVISED ME ON ALL OF MY RESIDENTIAL PROPERTY TRANSACTIONS FOR THE LAST 10 YEARS. HE HAS ACHIEVED SOME HIGHLY COMPLEX LENDING SOLUTIONS. HIS INTEGRITY AND SOUND ADVICE SETS HIM APART FROM THE REST. I WOULD NEVER MAKE A MOVE WITHOUT CONSULTING HIM FIRST.”

PRIVATE INVESTOR
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Profile

After qualifying in 2003, Wesley worked as a Mortgage Broker for a large international bank, a national Mortgage Brokerage and then an international financial services provider. He set up Willow Private Finance in 2008.

 During the early stages of his career, he had exposure to

 many high-net-worth clients and multi-family offices. 

He quickly developed an understanding and appreciation of the complexities involved with specialist lending and has

 assisted many high-profile individuals, families, and businesses, many of which have offshore income, assets and international interests.

 

He has a comprehensive understanding of residential & BTL,

 commercial, development and bridging finance, as well as Lombard lending. He acts as a technical adviser internally

(within Willow) and externally has assisted other 

  professionals  with legal disputes and complex financial transactions.

 

 As a solution driven Broker, he has earned an excellent

reputation amongst his peers, in the banking industry and 

amongst his clients, for delivering creative solutions and providing dedicated and loyal service. This is reflected by the diverse range of professional introducers he works

with, which include tax specialists, fiduciary

lawyers, MFOs, private Banks, financial

advisers and client referrals.

 

CONTACT

JUST REAL ESTATE

T: +974 4491 3333

E : info@jre.com.qa