HI AND WELCOME
My name is Monique and I founded Willowgate Finance in 2015, having worked in the financial services sector since 2003. I set up the business because I wanted to do things differently for my clients. I had a clear vision of how I wanted to help people who are looking to finance their home, by focusing on the customer journey and offering the best, most appropriate mortgage advice – whether you are a first time buyers, moving home, looking to save money by remortgaging for a better rate, or buying an investment property to let out.
You can make an appointment at a time and place convenient to you, either in your home in Spalding, Boston, Bourne, Stamford, Market Deeping, and surrounding areas in Lincolnshire and Cambridgeshire, within a 40 mile radius, or at the office in Market Deeping.
We also offer telephone appointments nationwide. So don’t let distance stop you from making contact. If you need mortgage advice, we’re here to help.
Our mission is simple – To offer superior service from start to finish to our clients, by getting to know you and your circumstances before making any recommendations, so you know you are getting the best mortgage available, and are supported throughout the process.
We start by completing a detailed review of all of your circumstances. It is not enough to just know your name, date of birth, salary and how much you owe on credit cards or loans. There are so many other factors in determining the best mortgage deal for you.
Once we have an in-depth understanding of your situation, we will then search the whole of the mortgage market – taking into consideration the lender’s criteria as well. This is so important, as lending policy differs vastly from bank to bank. It can be the difference between being accepted or declined for a mortgage.
This is why you don’t see a mortgage comparison or “best buy” table on the website. Before we make a recommendation we check that you qualify on all accounts first – affordability and ensuring you meet the bank’s requirements. Every mortgage is thoroughly researched and we will phone the lender to double check the facts and figures. It’s a belt and braces approach, which can save time, disappointment and possibly money.
The great news is … Willowgate Finance is part of the Legal and General Mortgage Club & Stonebridge Group Network, giving access to mortgages that are not available on the high street, and exclusive products and lenders not available to some other mortgage brokers or by going directly to the lender.
Our level of service is tailor-made to suit you. There is no one size fits all approach.
As a first time buyer, obtaining a mortgage and dealing with solicitors is a minefield of paperwork and processes and it can become overwhelming and confusing. We will be available to help guide you through all of the steps, from our first appointment, by phone or in person, through to the day you pick up your keys and move into your first home.
The Buy to Let mortgage market has seen some significant changes recently. There is the Stamp Duty Land Tax surcharge, the new affordability rules that came into effect in January 2017, and the new tax changes that came into effect in April 2017. The most recent change is the Portfolio Landlord underwriting rules. We are experts in the Buy to Let mortgage market and can help you navigate these new rules.
It is now more important than ever to get the best advice, and we will be on hand to help and can save you time and potentially, money. Let us do the work for you!
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority.
You may have to pay an early repayment charge to your existing lender if you remortgage.
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CONTACT US FOR A FREE, NO OBLIGATION CHAT OR COMPLETE YOUR DETAILS BELOW AND WE’LL CALL YOU
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
There may be a fee for arranging your mortgage, however the precise amount will depend on your circumstances. Typically the fee is £299.