Episode 1: Sub-5% Mortgages Return and a New Way to Fund Your Refurb

The Willow Private Finance Brief · Oct 9, 2026 · 10m

A lower mortgage rate or more funding upfront could change your property plan. But the details determine whether you benefit.

In this episode of The Brief, from Willow Private Finance, we explore Santander’s return to selected sub-five-per-cent fixed mortgages and Hope Capital’s new refurbishment bridge, which lends against a property’s anticipated finished value.

Drawing on Wesley Ranger’s articles, we explain who these options could suit, why existing customers may see different rates, and what “all funds on day one” actually means. We also explore the costs, cash requirements and repayment…