Williams Financial is an FCA-regulated mortgage broker based in Hillingdon, UB10 8DF, specialising in Buy-to-Let, First Time Buyers, Remortgages and 1 other areas. Rated 5/5 from 90 reviews.
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Meet our experienced team of mortgage professionals
Hak J
27 Feb 2026Dan Gibson is an absolute superstar at what he does. Such a genuine and down to earth bloke. Nothing was too much for him and he sorted my complex mortgage out. I am more than pleased. This isn't the last time I deal with him. More business to come
Nikita Shah
6 Feb 2026Tom was an outstanding mortgage advisor and a huge help throughout the entire process. As interest rates were constantly changing, he repeatedly went back to secure lower quotes for us whenever we asked, ensuring we always had the best possible options available. What really stood out was his dedication and support — even while he was on annual leave, Tom still took the time to respond to our emails and messages. He was always approachable, responsive, and genuinely had our best interests at heart. We felt fully supported every step of the way and couldn’t recommend Tom highly enough.
Saskia C
29 Jan 2026Would highly recommend Tom Frost in particularly who dealt with my mortgage application. He was very attentive and explained everything to me in detail, answered any questions I had and most importantly got everything I needed sorted for my mortgage as quickly as possible. The whole process was made stress free by Tom doing everything needed without me needing to chase. If anyone is looking for mortgage advice I would definitely recommend his services
PKR Enzo
7 Jan 2026⭐⭐⭐⭐⭐ I had a great experience with Williams Financial Services, especially with Tom Frost. He is a very knowledgeable mortgage adviser, a great listener, and extremely honest and humble in his approach. Tom took the time to understand my situation properly and explained everything clearly, which made the whole process stress-free. His customer service is absolutely brilliant, and I always felt supported and well-informed throughout. I highly recommend Tom Frost and Williams Financial Services to anyone looking for trustworthy and professional mortgage advice. - Sujal
Charlotte Weston
24 Nov 2025My partner and I have recently used Williams Financial Services for help with our mortgage. We are first-time buyers and have no prior experience with the mortgage process. I cannot recommend Tom Frost enough! He has been absolutely brilliant in the whole process, start to finish, and was incredibly helpful! He explained everything to us, including the small details, and the communication was excellent. He found us the best mortgage rates, with the best lenders, and even updated us throughout the process when better rates became available. He made an already stressful process less stressful, and for that, we are so grateful!
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Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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