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Willow Tree Financial Services

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Willow Tree Financial Services

Mortgages, Investments, Retirement Planning, Insurances and Estate Planning

For reliable financial advice that is accessible to everyone; from mortgages to pensions, and everything in between. We pride ourselves on our friendly and professional service and use our extensive market knowledge and experience to deliver a client-first approach, as standard.

04/06/2026

Understanding the role and responsibilities of a Lasting Power of Attorney (LPA) in the UK is essential if you have been appointed as an attorney or are considering what the role involves.

Being an attorney is a significant position of trust, and it comes with clear legal and ethical responsibilities.

In simple terms, a Lasting Power of Attorney is a legal arrangement that allows someone you trust to make decisions on your behalf if you are unable to do so yourself. The person appointed is known as an attorney, and their role must always be carried out carefully, respectfully, and in the individual’s best interests.

In my latest blog post, I explain more about the role of a LPA, the different types of LPA, the meaning behind the term "best interests", and knowing when to seek advice.

We also have a new LPA guide to download for free from my website.

If you have any questions please get in touch.

The Financial Conduct Authority does not regulate wills, trusts, estate planning, and lasting power of attorney. Will writing is not part of the Quilter Financial Planning offering and is offered in our own right. Quilter Financial Planning accept no responsibility for this aspect of our business.

02/06/2026

If you are acting under a Lasting Power of Attorney, you cannot just give money away to avoid inheritance tax.

People often assume that once someone has lost capacity, that their Attorney can just start giving money away to avoid inheritance tax, but it doesn't work like that - even if the family genuinely believes that that is what the person would've wanted.

Some gifts might be allowed, things like birthday or Christmas, or if there's a clear pattern to show that this type of gift was normal for them. But giving away large sums of money or property or trying to do inheritance tax planning after capacity is lost can be very difficult.

This is because inheritance tax is the family's problem, not the Donors. And under a Lasting Power of Attorney, the Attorney has a legal duty to act in that person's best interests, not their eventual beneficiaries. So it can be very hard to justify reducing somebody's estate purely to save on inheritance tax.

That is why estate planning conversations need to happen early, because once capacity is lost, a lot of planning options disappear.

If you'd like to understand more about Lasting Power of Attorney, you can download our free guide from our website.

𝘛𝘩𝘦 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘊𝘰𝘯𝘥𝘶𝘤𝘵 𝘈𝘶𝘵𝘩𝘰𝘳𝘪𝘵𝘺 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦 𝘸𝘪𝘭𝘭𝘴, 𝘵𝘳𝘶𝘴𝘵𝘴, 𝘦𝘴𝘵𝘢𝘵𝘦 𝘱𝘭𝘢𝘯𝘯𝘪𝘯𝘨 𝘢𝘯𝘥 𝘓𝘢𝘴𝘵𝘪𝘯𝘨 𝘗𝘰𝘸𝘦𝘳𝘴 𝘰𝘧 𝘈𝘵𝘵𝘰𝘳𝘯𝘦𝘺. 𝘞𝘪𝘭𝘭 𝘞𝘳𝘪𝘵𝘪𝘯𝘨 & 𝘓𝘢𝘴𝘵𝘪𝘯𝘨 𝘗𝘰𝘸𝘦𝘳𝘴 𝘰𝘧 𝘈𝘵𝘵𝘰𝘳𝘯𝘦𝘺 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘱𝘢𝘳𝘵 𝘰𝘧 𝘵𝘩𝘦 𝘘𝘶𝘪𝘭𝘵𝘦𝘳 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘗𝘭𝘢𝘯𝘯𝘪𝘯𝘨 𝘰𝘧𝘧𝘦𝘳𝘪𝘯𝘨 𝘢𝘯𝘥 𝘪𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘣𝘺 𝘳𝘦𝘧𝘦𝘳𝘳𝘢𝘭 𝘰𝘯𝘭𝘺. 𝘘𝘶𝘪𝘭𝘵𝘦𝘳 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘗𝘭𝘢𝘯𝘯𝘪𝘯𝘨 𝘢𝘤𝘤𝘦𝘱𝘵𝘴 𝘯𝘰 𝘳𝘦𝘴𝘱𝘰𝘯𝘴𝘪𝘣𝘪𝘭𝘪𝘵𝘺 𝘧𝘰𝘳 𝘵𝘩𝘦𝘴𝘦 𝘢𝘴𝘱𝘦𝘤𝘵𝘴 𝘰𝘧 𝘰𝘶𝘳 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴.

01/06/2026

Most people spend years building their financial plan.

The home.
The lifestyle.
The income.
The future for the children.
The business.
The flexibility.

But very few people stop to ask:

“What protects all of that if something happens to me?”

Because the reality is most financial plans are built around one thing 👇

👉 Your ability to earn an income

And if that suddenly stopped due to illness, injury or death…

The impact can be far bigger than most people realise.

That’s why protection planning is not really about policies.

It’s about protecting the people, lifestyle and future that matter most to you.

🏡 Mortgage Protection
Helping make sure the home remains secure if circumstances change.

💼 Income Protection
Helping protect your income if illness or injury stops you working.

💪 Critical Illness Cover
Providing financial breathing space during serious illness and recovery.

❤️ Family Protection
Creating an income for your family if you were no longer here to provide one.

And often, the biggest surprise for clients is this:
A long-term illness is usually a far greater financial risk than death itself.

Because bills still need paying.
The mortgage still goes out.
Life still carries on.

Good protection planning is not about fear or expecting the worst.

It is about making sure that if life does not go to plan, your family still have choices, stability and support around them.

Because protecting your financial plan is just as important as building it in the first place.

And if you are aged 50 or over, you can still get cover, so please don’t assume you can’t...

29/05/2026

"Should I choose a fixed or variable rate mortgage?"

The truth is, there is no universal “best” option. It depends on your circumstances, priorities and how comfortable you are with change.

🔒 Fixed rate mortgages offer stability.

Your payments stay the same for a set period, which can make budgeting feel more manageable and provide reassurance during uncertain times.

However, they can sometimes be less flexible, and if interest rates fall, you may not benefit without changing your deal.

📈 Variable rate mortgages can move up or down depending on interest rates.

This means you could benefit if rates reduce, but it also means your monthly payments may increase unexpectedly.

For some people, flexibility feels valuable. For others, certainty matters more.

The important thing is not just choosing a mortgage product. It is understanding how your mortgage fits into your wider financial life, both now and in the future.

Your home may be repossessed if you do not keep up repayments on your mortgage.

28/05/2026

Finding the right mortgage is important. But for many people, especially business owners and sole traders, it is also about making sure the wider picture is protected too.

From reviewing mortgage options to discussing income protection and financial resilience, good advice should help you feel informed, supported and confident in the decisions you are making.

Thank you for your kind words and for trusting us to help guide you through the process. 🌿

If you are reviewing your mortgage or want to better protect your income and financial security, we are here to help.

Please note: the word “best” has been used here directly from the client’s own review, experience and opinion. As financial advisers, we appreciate the word 'best' is subjective, and we're always very grateful for the compliments and your kind words!

𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.

26/05/2026

Stop taking mortgage advice from your parents!

Your parents mean well, but the mortgage world looks very different now to when they last bought.

Here are the 3 bits of advice I hear that could actually be holding you back:

🌳 "Go to your bank"
They can only show you their own deals. A whole-of-market adviser searches hundreds of lenders.

🌳 "You need a big deposit"
Competitive deals start from just 5%.

🌳 "Wait for rates to drop"
Timing the market is a gamble. Buy when it's right for you.

Your parents bought in a different market, so please make sure your advice is up to date.

Book an appointment, and let's have a chat with no pressure, just honest advice.

𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.

first time buyer mortgage advice in East Sussex

25/05/2026

Your mortgage does not have to work against your future.

With the right approach, it can become part of a coordinated financial strategy. This might include reviewing:

🏡 Mortgage Term and Retirement Timing

Does your mortgage end before you plan to retire, or will repayments continue into retirement?

For some people, clearing the mortgage earlier can provide peace of mind and reduce future financial pressure.

🏡 Overpayments vs Investing

Extra money can sometimes be directed towards mortgage overpayments. In other situations, investing that money may provide greater long term growth.

The right choice depends on interest rates, time horizon and personal risk comfort.

🏡 Cash Flow and Financial Flexibility

Your mortgage repayment affects how much disposable income you have available each month.

Even small adjustments to structure, rate or term can sometimes improve monthly financial flexibility, freeing up money to support savings or investments.

🏡 Long Term Wealth Planning

For many homeowners, the property represents a significant part of overall wealth.

Understanding how the mortgage interacts with pensions, investments and retirement income helps ensure your finances are aligned with the life you want to live.

🏡 Looking Beyond the Mortgage

Ultimately, the question is not just about the mortgage itself.

It is about how all of your financial decisions work together to support your long term goals.

🌳 If achieving a comfortable lifestyle, maintaining independence and avoiding the fear of running out of money are priorities, then every part of your financial plan should support that outcome.

Your mortgage is simply one piece of the puzzle, but it is often one of the most influential ones.

Your home may be repossessed if you do not keep up repayments on your mortgage.

22/05/2026

A willow represents protection, resilience and security.

Ensuring your foundations are firmly rooted with a strong structure that keeps everything in place, all while building towards your future of financial freedom and wellbeing.

As a family-friendly financial adviser, we care about the plan and understanding your objectives first. Products come later, because it simply doesn't make sense to recommend a product before we map out your branches.

Young investors and first time buyers, people with complex income, those navigating a change to circumstances, those approaching retirement years - we help you understand your finances and give you the insights and tools to help look forward to a promising financial future.

You deserve inner (financial) peace.

21/05/2026

“I don’t want to lose control.”

It is an understandable concern, and one I hear a lot.

After all, an Lasting Power of Attorney involves giving someone else legal authority to make decisions on your behalf. But in reality, this belief is one of the biggest misunderstandings around LPAs in the UK.

The truth is, setting up an LPA is not about giving up control. It is about protecting it.

In my new blog post I explain the LPA further, and you can also download our new (and free) Lasting Power of Attorney guide from our website.

www.willowtree-fs.co.uk/resources

The Financial Conduct Authority does not regulate wills, trusts, estate planning, and lasting power of attorney.

19/05/2026

The biggest financial risk to your lifestyle... is you.

If your income stopped tomorrow, what happens next?

How long do the mortgage and the bills get paid for?

Where does that money come from and what changes would you need to make in your lifestyle first?

My job is to test your plan and show you what can break first.

Once I see that, I can tell you how to protect against it. There's no pressure, there's no jargon, just solutions to a problem you didn't know you had, and now you can take action before life forces that decision for you.

Address

A6 Chaucer Business Park
Polegate
BN266QH

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+441323436680

Website

http://www.willowtree-fs.co.uk/

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