Mortgage Guides

Residential Mortgages: The UK Homeowner Guide

Whether you’re buying your first home or exploring your remortgage options, our mortgage guides break down everything UK homeowners need to know — from rates and deposits to eligibility and the application process. New guides are added regularly, so check back often for the latest advice.”


How Fee Free Mortgage Brokers Get Paid

Buying a home or navigating the mortgage market doesn’t have to be confusing — our growing library of guides covers everything from first-time buyer basics to how mortgage advice actually works, in plain English. New guides are added regularly, so check back often for the latest advice.


What Is a Mortgage in Principle & How It Works

Not sure what a Mortgage in Principle actually is or why estate agents ask for one? This guide explains how it works, how long it lasts, and whether it affects your credit score.


First-Time Buyer Mortgage Guide: Step-by-Step UK

Buying your first home is exciting, but the mortgage process can feel confusing when you don’t know what comes next. This step-by-step guide takes you through every stage, from saving your deposit and getting a Mortgage in Principle to exchanging contracts and collecting your keys.



Steps to Buying Your First Home in the UK

Buying your first home involves far more than finding the right property. This guide walks you through every stage of the process, from budgeting and viewings to exchange and moving day.



First-Time Buyer Mortgage Application Checklist

Missing paperwork is one of the most common reasons mortgage applications get delayed. Use this checklist to gather everything you need before you apply, so your application goes smoothly from the start.


How Much Deposit Do You Need for a First Home?

How much deposit do you actually need to buy your first home? This guide breaks down the numbers by property price and LTV, plus practical ways to build your savings faster.



How 95% LTV Mortgages Work for New Buyers

Only got a 5% deposit saved? A 95% LTV mortgage, backed by the government’s Freedom to Buy scheme, could still get you onto the property ladder. Here’s how they work and what to watch out for.


Remortgaging in the UK: Complete Switching Guide

If your mortgage deal is coming to an end, remortgaging could save you from jumping onto a costly standard variable rate. This guide covers when to switch, what it costs, and how the process works.



Fee-Free Remortgage Broker: Save on Advice

Remortgaging doesn’t have to come with broker fees on top. Here’s how fee-free remortgage advice works and what to check before choosing who to switch with.


How to Remortgage to a New Lender Smoothly

Switching to a new mortgage lender doesn’t have to be stressful if you know what to expect. This guide covers the practical steps to keep your remortgage moving smoothly and avoid common delays.

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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