Derek Kirwan -Willow Tree Mortgages

07/09/2026

Time to Remortgage? Willow Tree Mortgages is Here to Help!

Whether your fixed rate is coming to an end or you're simply looking for a better deal, Willow Tree Mortgages offers expert advice and access to a wide range of remortgage products.

✅ Why Remortgage?

• Potentially lower your monthly payments
• Release equity from your home
• Secure a more favourable interest rate

Our experienced team is here to guide you through the process with ease and confidence.

📞 Contact me for a free consultation!
Tel: 07730 598582
Email: [email protected]
Web: www.willowtreemortgages.co.uk

20/08/2026

More than half of first-time buyers (FTBs) ruled themselves out of getting a mortgage before they even applied, according to research from Lloyds.

The study found 58% wrongly thought having existing debt would stop them from being approved, while 37% believed a 20% deposit was essential.

Other common myths included thinking being in an overdraft (40%), receiving benefits (38%), having changed jobs recently (31%), not having a perfect credit score (30%) or being self-employed (24%) would automatically mean a rejection.

37% of prospective buyers worried about being rejected for a mortgage.

FTBs delayed or gave up major life milestones such as getting married (14%), having children (14%), buying a car (15%) or travelling (28%), just to try and boost their chances of buying a home.

Almost two-thirds (64%) cut back on day-to-day spending, with holidays (46%), eating out (41%) and new clothes (39%) the most common sacrifices.

“Our research shows many aspiring first-time buyers believe they need to be debt free, have a perfect credit record or save a 20% deposit before they can even think about getting a mortgage.

“In reality, mortgage decisions are based on a much broader picture of your finances and circumstances.”

“This isn’t something people need to navigate on their own. Speaking to a mortgage adviser or broker early on can help you understand what options are available.

“Many people are surprised to find they’re in a stronger position than they expected.”

The research also found 27% of FTBs felt learning a new language would be more achievable than buying their first home, while 20% said running a marathon or writing a book would be easier.

Here at Willow Tree we can’t help you write a book or run a marathon but we can help you to get your foot on the property ladder. There are so many options available you just need to take the first step and contact us.

📧[email protected]
📞07730598582
www.willowtreemortgages.co.uk

19/08/2026

🏡Offers galore at Willow Tree today !! 🍾

2 First Time Buyers getting their feet on the property ladder and one gentleman, who I was really happy to help, who thought he wouldn’t qualify for a mortgage until he spoke to us here at Willow Tree!

If you’d like to talk to us about any aspect of your mortgage needs then please get in touch !

📧[email protected]
📞07730598582
www.willowtreemortgages.co.uk

10/08/2026

😎it’s the last Bank Holiday until Christmas soon and it is a popular time for house buyers.

So, if you are planning on viewing properties and want to talk about your mortgage options before you put in an offer, please get in touch 🏡

With thousands of products to choose from, to suit most circumstances here at Willow Tree Mortgages, we will find one which works for you and your circumstances.

Please visit our page and have a look at our most recent reviews.

☎️ ⁨ ⁨07730 598582⁩
📧 [email protected]
www.willowtreemortgages.co.uk

30/07/2026

The Bank of England holds interest rates at 3.75%.

If your current mortgage deal is coming to an end soon then please get in touch. At Willow Tree Mortgages we offer expert advice and access to a wide range of remortgage products.

WhatsApp: ⁨ 07730 598582
Email: [email protected]
Web: www.willowtreemortgages.co.uk

23/07/2026

🏡 Your first home starts here - with us by your side

Buying your first home? It’s exciting, life-changing and yes, a little overwhelming. That’s why at Willow Tree Mortgages we’re not just mortgage brokers, we’re your home buying partners.

WHY FIRST TIME BUYERS USE US:

92% of First time Buyer’s say they feel anxious and confused about the whole home buying process. We turn confusion into clarity. Our free First Time Buyer guide helps explain every step of the process backed up by your own adviser.

WHAT MAKES US DIFFERENT ?

Dedicated Advisers - One point of contact from start to finish. No call centres, no confusion.

Tailored Solutions - Whether it’s shared, ownership, gifted deposits or Help to Buy we find what fits YOU !!

Clear and transparent communication - No jargon. Just honest advice, clear options and support every step of the way!

Your journey, Our priority - We understand this isn’t just a transaction - it’s your future! We treat first time buyers like family because we have been there. From the first enquiry until you get your keys we’re here to make it smooth, simple and stress free.

ARE YOU READY TO TAKE THAT FIRST STEP?

Get in touch today and ask those questions you always wanted to ask and get the ball rolling!

📞07730598582
📧 [email protected]
🕸️www.willowtreemortgages.co.uk

07/07/2026

🏡 Mortgage Clinic Q&A – Your Questions Answered! 🏡

Following our Mortgage Clinic last week, we received some great questions from attendees. We thought it would be helpful to share some of the most common questions and answers with everyone.

❓ Which lenders do you work with?

✅ We offer a comprehensive range of first charge mortgages from across the market, excluding products that are only available directly from a lender. We provide a full list of lenders in our Initial Disclosure Document. For second charge lending, where appropriate, we will refer you to a specialist second charge firm that can provide advice in this area.

❓ How are you paid and what fees are involved?

✅ There is an application fee of £199 payable by you when your mortgage application is submitted. In addition, we receive commission from the lender upon successful completion of your mortgage.

❓ Do you receive more commission for recommending certain lenders?

✅ No. We are committed to treating all clients fairly and will always recommend the most suitable and cost-effective mortgage based on your individual needs and circumstances, regardless of commission payments.

❓ What documents will I need to provide?

✅ Typically, we will require:
• Identification
• Proof of address
• Proof of deposit
• Bank statements
• Proof of income:
o Employed applicants: latest 3 months' payslips
o Sole traders: latest tax returns (preferably 3 years)
o Limited company directors: company accounts
(preferably 3 years)

❓ How much can I borrow?

✅ This depends on your personal circumstances, including your income, expenditure, existing commitments, and the size of your deposit. We can arrange a Decision in Principle (DIP), which includes a soft credit search and provides a more accurate indication of how much you may be able to borrow before you begin your property search.

If you have a mortgage question you'd like answered, feel free to get in touch or leave a comment below. We're always happy to help! 😊

📧[email protected]
📞07730598582

Mortgage & Protection Advice

02/07/2026

🍾The inbox is pinging this morning with not one but two seals of approval from a lender for some of our first time buyer applicants! 🎉

🏡If you’re considering buying a property please get in touch and let us guide you through it !

📖 Please just ask us for one of our free First Time Buyer guides which is packed with helpful information which we know you will find useful ! Message us, ask for it and we’ll send it straight over via email.

No follow up calls, no sales patter, hopefully you’ll find it of benefit and maybe when the time comes for you to buy you’ll come back to us.

If you don’t that’s fine too because we’re sound like that !

📞07730598582
📧[email protected]
www.willowtreemortgages.co.uk

18/06/2026

🚨Bank of England votes to hold base rate at 3.75%

📈The decision, delivered by the Bank’s Monetary Policy Committee (MPC), keeps borrowing costs unchanged following May’s hold at the same level.

👍This is great news and a welcome relief for mortgage holders on variable / tracker rates and those whose fixed rates are coming to an end.

I know many were worried what impact the Middle East conflicts would have on interest rates here !!

📞If you would like to discuss how this may impact you, please do not hesitate to get in touch.

WhatsApp: ⁨07730598582
Email: [email protected]
Web: www.willowtreemortgages.co.uk

20/05/2026

Well would you look at us !!! 🥂

We’re thrilled to announce that Willow Tree Mortgages has been named a Finalist in the Best Newcomer Firm 2026 category at the Mortgage Intelligence Awards 🎉🍾🥂

This recognition means so much to us as a growing business dedicated to helping our clients navigate the mortgage journey with confidence, clarity, and personal support every step of the way.

A huge thank you to our amazing clients, partners, friends, and family for your trust and continued support, we genuinely couldn’t have achieved this without you.

We’re incredibly proud of how far we’ve come and even more excited for what’s ahead in 2026! 🌳 🏡