Mortgage Solutions For mortgages as individual as you are …We’re with you

Exciting? Daunting? Buying a property is one of the biggest financial decisions you’ll ever make. So you want to be sure you’re getting the right mortgage advice at every turn.

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Independent mortgage brokers

Whether you’re looking for a first-time buyer mortgage or moving home, re-mortgaging or purchasing a buy-to-let, Cowens Mortgage Solutions offers a wide range of cost-effective mortgage options tailored to your particular needs.

A wide range of lenders

Some high street lenders offer ‘off the shelf’ packages which may not work or be appropriate for your personal or financial circumstances. As independent mortgage brokers we are not tied to a certain panel of lenders. Instead, whoever you are, whatever your specific circumstances, we have access to thousands of products across the market including many products not available on the high street.

Access to competitive mortgage rates

We can answer your questions, help simplify the process and provide unbiased, personal advice, including specialist lending for those with poor credit history and complex circumstances, to ensure you arrive at the mortgage that’s just right for you.

For clear, friendly, impartial mortgage advice…we’re with you

Please note we cannot give advice on second charges, bridging finance or commercial lending, but work closely with trusted partners who may be able to offer advice in these areas.

Call or click for a free initial no-obligation consultation 01623 649 931

Mortgages to Moving – made easy

Buying a property can be a complicated and possibly confusing process. That’s why we’ve put together this handy guide to help your purchase go smoothly. From saving for a deposit, to getting the keys, you’ll find all the info you need to understand exactly what you need to consider during your home-buying or re-mortgage process including an explanation of terms and types of mortgages, plus a handy step-by-step check-list.

FREE – Get your copy of the Cowens Home Sweet Home Buying Guide by entering your email below


The Mortgage Process

We’re by your side
There’s no more loyal partner to walk you through every aspect of the process, before we go-fetch a mortgage deal that’s right for you! Here are just some of the things you might think about and questions we can help you answer…

How much mortgage can I borrow?
The amount you can borrow will depend on your income, circumstances, credit history and deposit. We’ll work with you to understand your dreams and requirements and, where necessary, advise on improving your financial position.

How much mortgage deposit do I need?
Ordinarily for a residential mortgage you’ll need a deposit of at least 5%. Depending on the property and your circumstances, or for a buy-to-let mortgage, a larger sum may be required. We’re here to help and advise you.


When should I get a decision in principle?
Scouring the property websites? Ready to register your interest with some estate agents? Once you’re serious about looking for a property, it’s a good idea to secure a mortgage decision in principle (sometimes called an agreement in principle or AIP).

When should I apply for a mortgage?
Having an AIP in place will put you in a stronger position with sellers and agents. Once you’ve viewed properties, found your dream home and had an offer accepted you’ll need to make a full mortgage application.

Can I get a mortgage with a poor credit score? How can I get a self-employed mortgage? Can I get a mortgage as a foreign national?
Even if your circumstances aren’t straight forward our independent status means we have access to specialist lenders who can provide a range of options to help all kinds of people find their way onto the property ladder.

Will I need mortgage protection?
After you’ve appointed a solicitor, organised surveys and booked the removal van you’ll probably also want to arrange home insurance and mortgage protection to ensure your loved ones are financially secure. Ensuring your property is fully protected is often a condition of a mortgage offer – ask your adviser for details.

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit

Your home may be repossessed if you do not keep up repayments on your mortgage.

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