Services
Strategy. Planning. Execution.
We have a range of products and services at Bowen Mortgages and our aim is always to do this in the most efficient way possible, while maintaining our 5* service. We strive to ensure customers are fully aware of all options before we complete any full application and use technology and AI to enhance our client journey.
First Time Buyers
Remortgage / Home Movers
If you're looking to free up equity for renovations, consolidate debt, or move up the property ladder, we can help. Whether you’re refinancing to secure a better deal or need advice on how to leverage your property’s value, we’ll find the right remortgage solution for your needs.
Think carefully before securing other debts against your home.
Consolidating debt may reduce your outgoings now, however you may pay more interest over your mortgage term.
Your home may be repossessed if you do not keep up repayments on your mortgage
Buy To Lets
Whether you're new to the world of buy-to-let investments or an experienced landlord, we provide expert advice on securing the right mortgage to grow your property portfolio. From sourcing the right deals to managing your investment effectively, we’re here to ensure your success. working with our partners, Bowen Capital, we can not only support with the finance of a buy to let property, but we are experts in sourcing and acquiring the best investment property, as well as supporting you manage your investment in the future.
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority’
Adverse Credit Mortgages
If you’ve faced credit challenges in the past, don’t worry – we can help. Our team works with clients who have adverse credit histories, finding mortgage solutions that fit their individual circumstances. We’ll guide you through the process, ensuring you have access to the best options available. If you've ever thought you wouldn't be eligible for a mortgage due to your history, speak to the team at Bowen Mortgages. We have dedicated lines through to providers who specialise in adverse credit and can put your case to a number of them, building up a picture of what situations you may have come out of and package a case to look appealing to a lender.
Other Services
We Provide Best Possible Solutions To Give You Everything You Need.
At Bowen Mortgages and Bowen Capital, we do everything we can to ensure all your property needs are met. We have a comprehensive sales and lettings team within Bowen Capital as well as an industry leading sourcing team for great investing advice. Within Bowen Mortgages we can also support with the full home buying journey, as well as making sure you and your family are protected, should the worst happen.
The above services 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
What is Mortgage Protection?
Mortgage protection is designed to safeguard you and your family in case the unexpected happens. At Bowen Mortgages, we offer a range of protection products to ensure that, should you face illness, injury, or even death, your home and financial security remain protected.
Our protection services include:
- Life Insurance: Provides peace of mind by ensuring your mortgage is paid off if you pass away, so your family won’t have to worry about losing their home during an already difficult time.
- Critical Illness Cover: Covers you in the event of a serious illness, such as cancer, heart attack, or stroke, helping you continue to meet your mortgage payments while you focus on recovery.
- Income Protection: Replaces a portion of your income if you’re unable to work due to illness or injury, ensuring you can continue to meet your mortgage and living expenses.
- Accident, Sickness, and Unemployment Insurance: Offers financial support if you’re unable to work due to an accident, illness, or redundancy, giving you the reassurance that your mortgage payments will be taken care of.
At Bowen Mortgages, we understand that life can be unpredictable. That’s why our mortgage protection advice is tailored to your unique circumstances, helping you choose the right level of cover for your peace of mind. We work with you to create a plan that ensures your home is always protected, no matter what life throws your way.
Home protection is designed to give you peace of mind, ensuring that your property and belongings are safeguarded against life’s unexpected events. At Bowen Mortgages, we offer comprehensive home protection options to help you protect both your home and the things that matter most.
Our home protection services include:
Buildings Insurance: Covers the structure of your home in case of damage from events like fire, flood, storms, or vandalism. This policy ensures that repairs or rebuilding costs are covered, protecting the value of your property.
Contents Insurance: Covers your personal belongings, from furniture and electronics to clothing and valuables. If items are damaged, lost, or stolen, contents insurance helps you replace them so you can get back to normal quickly.
Home Emergency Cover: Offers immediate assistance in case of emergencies, like a burst pipe, electrical failure, or boiler breakdown. This cover ensures you’re not left stranded with unexpected home repairs.
Legal Expenses Insurance: Helps with legal costs in case of disputes related to your property, such as disagreements with tenants or contractors. It provides expert legal advice and financial support when you need it most.
At Bowen Mortgages, we know that protecting your home is about more than just insurance—it’s about securing your family’s future and ensuring that your home remains a safe and comfortable place to live. We’ll guide you through the best home protection options, tailored to your needs and budget, so you can enjoy complete peace of mind.
Our Conveyancing Referral Process: Fast, Efficient, and Stress-Free
At Bowen Mortgages, we understand that the conveyancing process can be one of the most time-consuming and stressful parts of buying or selling a home. That’s why we’ve partnered with a wide selection of trusted conveyancing providers who specialise in ensuring a smoother, quicker experience for our clients.
By choosing one of our recommended conveyancers, you can expect:
Faster Completion: On average, our conveyancing partners complete the process 20% quicker than if you were to find your own conveyancer. This means less waiting and more peace of mind as you move through the home buying or selling process.
Ongoing Communication: We stay in regular contact with your conveyancer throughout the entire legal and mortgage journey, ensuring everything is progressing smoothly. Our team works closely with the conveyancer to keep you updated, address any potential issues, and resolve matters promptly. This direct line of communication helps avoid delays and keeps things moving forward efficiently.
Expertise You Can Trust: Our network of conveyancers has been carefully selected for their expertise and commitment to providing excellent customer service. You can trust that they’ll handle all the legal details with the same care and attention we offer during the mortgage process.
Whether you’re a first-time buyer or experienced homeowner, our referral process ensures that your conveyancing is handled quickly and professionally, with minimal stress. Let us take care of the details, so you can focus on the excitement of your new home!
Comprehensive Aftercare Service – We’re Here for You Every Step of the Way
At Bowen Mortgages, we don’t just stop once your mortgage is secured – we believe in offering complete support throughout your entire home journey. Our Aftercare Service is designed to give you peace of mind, ensuring that no question goes unanswered and that you have the guidance you need long after your paperwork is complete.
What you can expect from our aftercare:
Ongoing Support: Whether you have questions about your mortgage, protection, or anything related to your new home, our team is always here to help. We’re just a phone call or email away, ready to assist with any queries you may have, no matter how big or small.
Tailored Advice: As part of our commitment to supporting you, we provide tailored advice whenever you need it. From helping you understand mortgage terms to guiding you through remortgaging options, we’re dedicated to ensuring you feel confident in your decisions.
Move-In Service – Settling into Your New Home, Made Easy
We understand that moving into a new home can be overwhelming. That’s why we offer a Move-In Service, designed to make the transition as smooth and stress-free as possible. From setting up essential services to making sure everything runs smoothly from day one, we’re here to support you every step of the way:
Broadband Setup: We can help you find and set up the best broadband deal for your new home, ensuring you get connected with minimal hassle.
Energy Provider Assistance: Choosing the right energy provider can be confusing, but we make it easy by guiding you through your options and helping you select the best energy plan for your needs.
Utility Set-Up: From water to gas, we help make sure all of your utilities are set up and ready to go, so you can enjoy your new home without delay.
At Bowen Mortgages, our commitment to you doesn’t end at the sale. With our comprehensive aftercare and move-in services, we ensure that you’re supported throughout your entire homeownership journey, making the experience as seamless and stress-free as possible.
Frequently Asked Questions.
At Bowen Mortgages, we provide expert guidance to help you navigate the home-buying process. Whether you’re a first-time buyer or an experienced landlord, we offer a range of mortgage solutions tailored to your needs.
Once we determine the type of buyer you are, we’ll identify the most suitable mortgage product for you. We cover these options in detail during an initial consultation, but here’s a brief overview of some of the mortgage types we offer:
Fixed-Rate Mortgage
A fixed-rate mortgage guarantees that your monthly payments remain the same throughout the fixed term. For example, if you choose a 3-year fixed rate, your payments will stay consistent for that period. After the fixed term ends, you’ll either move to the lender’s Standard Variable Rate (SVR) or have the option to remortgage to a new deal.
Tracker Mortgage
A tracker mortgage typically starts with a lower interest rate compared to fixed-rate deals, but the interest rate (and your monthly payments) can fluctuate. Your payments may decrease, but they could also increase, as they are linked to an external rate, such as the Bank of England base rate.
Variable-Rate Mortgage
A variable-rate mortgage operates similarly to a tracker mortgage, but the interest rate is influenced by multiple factors set by the lender. This means your monthly payments can change over time.
Discounted Rate Mortgage
A discounted rate mortgage offers a reduction on the lender’s standard variable rate (SVR) for a set period. While the SVR may fluctuate, your discount remains fixed, meaning the rate you pay will vary in line with any changes to the SVR. The level of discount and the duration of the deal will depend on the specific mortgage offer.
Our team is here to help you understand your options and find the right mortgage for your needs. Contact us today to schedule a consultation and take the next step toward securing your property.
At Bowen Mortgages, we don't charge a fee for our services. while other firms can charge up to £800 for their services, this is on top of commission the lenders pay when you complete on a mortgage through them. Through effective use of technology and optimisation, we are able to provide this service to you fee of charge.
When purchasing a home, or investment property, there could be stamp duty to pay on the property. You will need to also factor in, product fees for the mortgage chosen, legal fees, valuation fees and moving costs. There are costs to support you with these and some lenders may offer free valuation fees, or cash back so it's worth speaking to a broker to find the best option for your situation.
Many people believe that a large deposit is required to secure a mortgage. While deposit requirements vary depending on market conditions and individual circumstances, this isn’t always the case.
At Bowen Mortgages, we work with a range of lenders who offer zero-deposit mortgage options, subject to specific eligibility criteria. Our team will assess your situation and explore the most suitable mortgage solutions based on your available deposit.
If you’re unsure about your options, get in touch today—we’re here to help you find the right path to homeownership.
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)
