About Us
We Are "Bowen Mortgages"
Who We Are
At Bowen Mortgages, we’re more than just mortgage brokers – we’re your trusted partners in navigating the world of property and finance. Based in the North West of England, we pride ourselves on offering expert advice to help you make confident decisions every step of the way.
With years of experience, our team is dedicated to providing tailored solutions for every client, whether you're a first-time buyer, an experienced investor, or someone looking to remortgage. We understand that each financial situation is unique, which is why we take the time to listen, understand your goals, and create a plan that works for you.
But we don’t stop at mortgages. Through our trusted partnerships with Bowen Capital, we offer a full suite of property services, from buying and selling to lettings and property management. We also provide a range of protection and aftercare services, ensuring you have the support you need throughout your homeownership journey.
Our mission is simple: to make the complex world of property and finance easy to navigate, with expert advice and a personal touch. At Bowen Mortgages, your goals are our goals – and we’re here to help you achieve them, with no hidden fees and no pressure, just clear, honest guidance.
Company Profile
Bowen Mortgages: Your Partner in Property and Financial Growth.
Bowen Mortgages is a trusted, client-focused mortgage brokerage dedicated to providing personalized financial solutions that empower individuals and families to achieve their homeownership and investment goals. With years of expertise in the industry, we understand that securing the right mortgage is just the beginning of a lifelong journey. That’s why we’re committed to building long-term relationships with our clients, offering ongoing support and advice as their needs evolve throughout different life stages. We are a small yet ambitious company and are looking to continuously grow our network, both in customer base and professionally.
Finally, we are passionate bout the support we give our community, from young professionals looking to get into the industry, or clients wishing to get more of an understanding of how mortgages works. Check out some information about Bowen Mortgages academy below to see how we can help you.
Who We Are
About Our Organisation
Our Vision
Our Mission
Our Values
Board Of Directors

Steven Ellsmoor
Founder / Director
Bowen Mortgages was founded by Steven Ellsmoor, a passionate and dedicated professional with a wealth of experience in the mortgage and financial services industry. With a strong belief in the power of tailored advice and a commitment to making the mortgage process simpler for everyone, Steven set out to create a company that prioritises customer care and expert guidance above all else.
With a background in Banking and finance, Steven has built Bowen Mortgages on a foundation of integrity, transparency, and innovation. Having worked with clients from all walks of life, from first-time buyers to seasoned investors, Steven truly understands the challenges people face when navigating the world of property finance. This personal understanding and dedication to delivering the best outcomes for clients is at the heart of everything Bowen Mortgages does today.

Francesca Ellsmoor
Non - Executive Director
Francesca Ellsmoor is a highly experienced Non-Executive Director at Bowen Mortgages, bringing invaluable executive expertise and strategic insight to the company. As a partner in Bowen Capital, Francesca has a proven track record in financial management, business development, and operational excellence, providing the leadership and guidance that drives Bowen Mortgages’ success.
In addition to her role at Bowen Mortgages, Francesca is also a local business owner of the Bowen Learning Trust, where she champions educational excellence and supports community development. She serves as the Executive Head at an independent school, where her leadership shapes the strategic direction and fosters growth in both the academic and operational areas. Her deep experience in managing complex organizations and leading diverse teams brings a wealth of knowledge to Bowen Mortgages, helping to ensure the company remains at the forefront of the mortgage industry.
With a strong focus on long-term growth, innovation, and organizational efficiency, Francesca plays a key role in shaping the future of Bowen Mortgages, ensuring that the company continues to deliver exceptional service to its clients while maintaining a commitment to integrity, professionalism, and business sustainability.
Open Position
Finance Director
Our Team
Bowen Mortgages Academy
Bowen Mortgages Academy: Empowering Clients and Professionals
At Bowen Mortgages Academy, we’re dedicated to educating and empowering both our clients and future industry professionals. Our academy offers a wide range of free webinars and podcasts designed to demystify the mortgage world. Whether you’re a first-time buyer looking to understand affordability and credit scores, or a seasoned property investor exploring niche lending products and leveraging options, we’ve got you covered. We’ll help you navigate the complexities of the market and give you the tools to make informed, confident decisions. For those interested in property investment, we cover everything from securing your first buy-to-let mortgage to strategies for expanding your portfolio.
In addition, Bowen Mortgages Academy is passionate about nurturing the next generation of mortgage professionals. We offer paid qualifications and on-the-job training for individuals looking to break into the industry. Through a combination of practical experience and formal education, we’re helping to shape the future of the mortgage sector, one professional at a time. At Bowen Mortgages Academy, we don’t just offer advice—we create opportunities, build knowledge, and help you achieve long-term success.
Click below for more information and guides, from market updates, to guides for first time buyers and more.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Bowen Mortgages Ltd do not charge a fee for our services.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Bowen Mortgages Ltd (Company Number 15751235). Registered in England & Wales
Registered & Trading Address: Business Lodge, Kingsway House, Caldwell Road, Widnes, Cheshire, WA8 7EA.
Bowen Mortgages Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority. (943407)