Terms and Conditions

We offer first and second charge regulated mortgage contracts for business or personal use.

You should be aware that there may be other finance options available to you such as a remortgage, a further advance with your first charge lender, or an unsecured loan.

Whose Products will be Offered

We are a broker using a representative panel of lenders who specialise in second charge mortgages and a limited number of lenders for first charge mortgage products. We can provide you with a list of these lenders on request.

Which Service will be Provided

We provide an advised mortgage broking service.

We will be providing you with sufficient information in relation to the mortgage we offer you in order for you to make an informed borrowing decision, but if you are in any doubt, you should seek independent financial advice as we only offer a limited range of products and as we are not independent financial advisors. Free sources of debt advice are available from the Money Advice Service.

By submitting this information you have given your agreement to receive contact from us or carefully selected third parties to provide you with a loan or mortgage. As brokers, our products and services may be provided in conjunction with our business partners. It may therefore be necessary to disclose your information to them to provide you with the products and/or services you require.

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1998. You agree that such personal information may be used to provide you with details of services and products in writing, by email, by telephone or by SMS.


All the details on this form are true and not misleading.

I / we understand that this loan or mortgage will be secured against my / our property.

Website Terms of Use

Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Improve Finance’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The term ‘Improve Finance’ or ‘us’ or ‘we’ refers to the owner of the website, a trading style of Willows Finance Limited whose company registration number is 6678545, registered in England. The term ‘you’ refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

The copyright of this website is reserved under the name www.improvefinance.co.uk (hereinafter referred as the ‘Website’)

This Website is an independent marketing website and not a lender. We may pass on enquiries to other financial service providers. The Company is not responsible or liable for any financial service, loan or mortgage product obtained through a third party via our Website.

An enquiry from this Website does not constitute an offer to provide a mortgage or loan.

This independently owned website acts solely as advertising and marketing vehicle for third party financial services and, as such, the owners, webmasters and marketing professionals of this Website are unable to offer financial advice. The information provided does not form the basis of any contract. Any contract formed as a result of a contact made through this Website is between the consumer and the mortgage or loan providers. Financial decisions should not be based solely on the information contained within this Website.

The data available on the Website is solely for the sake of information, to provide you a better guidance. It is advisable to discuss your requirements with an independent financial adviser. A prior seeking of professional or legal advice on your part, before entering into any contract with whosoever is advisable. All loans and mortgages are subject to status in UK and are available to citizens aged 18 years and over.

You agree to use this site only for lawful purposes, and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of this site by any third party. Such restrictions or inhibitions includes, without limitation, conduct which is unlawful, or which may harass or cause distress or inconvenience to any person, and the transmission of obscene or offensive content or disruption to the normal flow of dialogue within this site.


The names, images and logos identifying Improve Finance and their products and services are proprietary marks of Willows Finance Ltd and its associated companies.

All copyright, trade marks and other intellectual property rights in this site (including the design, arrangement and look and feel) and all material or content supplied as part of the site shall remain at all times the property of Willows Finance Ltd. Material on this site may not be copied, reproduced, republished, downloaded, posted, broadcast or transmitted in any way except for your own personal non-commercial use. Prior consent (written) of the licensor should be taken if the information is required in some specific circumstances.

Third party sites/links

If you decide to access any third party website either referred to in or linked to the Website, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. The Company would always recommend that you read the posted privacy statement and/or terms and conditions of use whenever interacting with any such third party website. The Company provides any such referrals and/or links for your convenience only and excludes all liability arising or resulting there from.


While Improve Finance tries hard to ensure that the website is functioning correctly and is as accurate as possible, this will not always be achievable and therefore the following disclaimer applies.

This site and the information, names, images, pictures, logos and icons relating to www.improvefinance.co.uk, products and services (or to third party products and services), is provided “AS IS” and on an “AS AVAILABLE” basis. The Company shall not be liable for any direct, indirect, incidental, special, or consequential damages. This includes, without limitation and even if the Company is advised of the possibility thereof, any damages for loss of goodwill or any and all other commercial damages or losses including loss of profit, that result from the use of, or inability to use our Independent Financial Advisers. The user agrees not to rely on any information obtained from the Website and indemnifies the Company from mistakes, omissions, errors, interruptions, delays of service or performance, defects, harmful components, viruses and bugs, howsoever caused. The entire risk as to the use of this Website is with the user. This Website is not responsible or liable for telephone, network, ISP, electronic, computer or other communication problems or failures of any kind.

To the extent permitted by law, the Company accepts no responsibility or liability arising out of or in relation to the accuracy or completeness of the materials contained on the Website or any other information, howsoever provided to you. The information and other materials included on this site may contain inaccuracies and typographical errors. Improve Finance does not warrant the accuracy or completeness of the information and materials or the reliability of any statement or other information displayed or distributed through the site (including, without limitation, the information provided through the use of any software). You acknowledge that any reliance on any such statement or information shall be at your sole risk. Improve Finance reserves the right, in its sole discretion, to correct any errors or omissions in any part of the site and to make changes to the site and to the materials, products, programs, services described in the site at any time without notice.

Third Parties

By using our website you may be able to directly access third party websites. We do not own, operate or control such third party websites and are not responsible for their content. Since we do not control these websites, you are responsible for reviewing and abiding by their privacy policy and exclude us from all liability of any kind arising from such content or information. If you access third party websites you do so at your own risk.

Your dealings with any third parties, and any Terms of Use agreed with, or representations given by, such third parties, are solely between you and such third party.

Changes to this Policy

We reserve the right to make changes to any part of this Website. Due to our policy of updating and improving the Website, it may therefore be necessary to change these Terms of Use. If you use any of the Website after we have published such changes, you will be agreeing to be bound by those changes. If you do not agree to be bound by them, you should not use the Website.


If you have any queries concerning any part of these Terms of Use please contact us by email, using the address indicated in the Website to which your query relates.

Improve Finance
Mid Glamorgan
CF35 5AS

Law & Jurisdiction

These Terms of Use shall be governed by and interpreted in accordance with the laws of England and Wales and you irrevocably agree that the courts of England shall have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with, these.