We Are Bowen Mortgages Ltd

Who We Are

Bowen Mortgages Ltd: Your Partner in Property and Financial Growth.

Real estate agent or realtor signing mortgage agreement for new home with couple of happy young clients. Concept of home loan and buying own property. Close up of miniature house. Generative AI

What Sets Us Apart

These principles guide everything we do and define who we are as a company.

No Broker Fee, Free Advice

You get expert mortgage advice and ongoing support at no cost to you. We’re here to guide you every step of the way and make the process as smooth and stress-free as possible.

Client-Focused

Every recommendation we make is based on your individual circumstances. We take the time to understand your goals, whether you’re buying your first home or remortgaging, and guide you with clear, honest advice.

All Types of Mortgages Needs

From first-time buyers to remortgages and buy-to-let, we cover the full range of mortgage options. We search across lenders to find the most suitable deal for your situation, not just what’s easiest.

Dedicated support

We support you at every stage of the process, handling the paperwork, liaising with lenders, and keeping you updated throughout. You’ll always know what’s happening and what comes next.

Close up wooden toy house with Woman signs a purchase contract or mortgage for a home, Real estate concept.

Your Partner in No Broker Fee Mortgages

At Bowen Mortgages Ltd, we understand that securing the right mortgage is one of the biggest financial decisions you’ll ever make. That’s why we believe expert advice should never come at a cost to you.

 

While most mortgage brokers charge fees on top of the commission they receive from lenders, we do things differently. We charge no broker fee.

 

With over 10 years of experience in the mortgage industry, our team has the knowledge and relationships to find you the right mortgage deal for your circumstances, whether you’re a first-time buyer, looking to remortgage, or investing in buy-to-let property.

Please note: Some services such as protection and insurance are referred to a third party. Neither Bowen Mortgages Ltd nor PRIMIS are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.

Ready for a Hassle-Free Mortgage Experience?
Get expert, fee free advice today* Although our advise is free, there may be other fees associated with obtaining a mortgage such as valuation or product fees.
Our Team

Meet The Founder

Steve-Pic
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.

Bowen Mortgages Academy

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.

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)

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