Damian Howarth - Mortgage & Protection Adviser

28/01/2026

09/01/2026

Sometimes it hard to get out what I want to say, but I know it's so important!

Please make sure you are following my Michelle Howarth - Protection & Insurance Adviser page to stay up to date with everything!
Thank you for your ongoing support. 💚

12/12/2025

No more if, buts or maybes, let's get you booked in for a FREE protection review in the New Year. My diary is open, just message me to arrange an appointment can be in person or via phone/video call.

05/12/2025

This wasn’t the life I expected… and sharing this here has just got me a little. 😔
But I wanted to speak to all of you directly.

Some of you know me, but some may not, so let me introduce myself properly.

Hi, I’m Michelle - Damian’s wife - and this is me with our daughter Scarlett (10). As many of you will know, we sadly lost Damian in July 2024 after his battle with cancer at just 44.

Over the last 16 months, I’ve learned first-hand just how vital Personal Protection is. It has quite literally kept our lives stable during the hardest time we will ever face.

If you ever spoke to Damian, you’ll remember how passionate he was about protection - making sure people understood why it matters and how it can change everything when life throws the unimaginable at you.

And with that in mind, I’ve made a big decision:
I’m stepping forward to continue his legacy as a Protection & Insurance Adviser.

I would be incredibly grateful for your support as I take on this new chapter - even a follow, like or share on my page would mean more than you know:

👉 Michelle Howarth - Protection & Insurance Adviser

If you’d ever like to talk to me about insurance or understanding your options, please feel free to reach out:
📞 07772767020
📧 [email protected]

Please note: I am not offering Mortgage Advice, but I do know a team of wonderfully supportive people who do - Peace of Mind Financial Solutions Ltd

Thank you for reading, for your support, and for helping me keep Damian’s passion alive. 💚

Most of you know me personally, but today I wanted to share a little more about the new chapter I’m stepping into — and why it matters to me. 💚

As many of you know, losing Damian so young turned my life upside down and inside out. One of the many things I have learnt through this experience is just how important it is to have the right protection in place. It has given me and Scarlett stability at a time when everything else feels uncertain.

That’s why I’ve trained to become an Insurance & Protection Adviser. My mission is simple:
👉 to help people protect what matters most — your life, your future, and your peace of mind.

I work with:
✨ Individuals
✨ Couples
✨ Growing families
✨ Homeowners/Renters
✨ Anyone who wants to feel secure and prepared, whatever life brings

And because this industry can feel overwhelming, here’s one quick tip I want to share:
🟢 The best time to review your protection is before you need it — not after.
A small check now can make a huge difference later, believe me I know!

This isn’t about selling. It’s about support.
If you ever have a question about life insurance, family income benefit, critical illness cover or income protection — big or small — you can always ask me. No pressure, no jargon, no judgement. Just a conversation.

I’m really grateful for everyone who’s supported me so far.
Here’s to a new chapter, a meaningful mission, and helping others find peace of mind if a storm should ever come to your door. 🌿💚

If there’s one question you’ve always had about insurance or protection, what would it be? Drop it below or message me privately — I’m here to help.

📱Phone/WhatsApp - 07772 767020
📧Email - [email protected]

23/09/2024

💚💚💚 Important Information 💚💚💚

As many of you know, we are heartbroken to share that Damian sadly recently passed away, and therefore this page will soon be taken down.

Before it’s closed, We (Damian’s family) would like to take this opportunity to say a huge thank you to everyone who supported him over the years. Since becoming a Mortgage and Protection Adviser at Peace of Mind Financial Solutions Ltd, Damian was dedicated to helping his clients find the best mortgage and protection deals for their unique circumstances. He truly enjoyed getting to know each of you along the way.

If there’s one thing we’d like for you to take from this, it’s to make sure your insurance policies are up to date and reflect your current needs. Life doesn’t always go as planned, and it’s important to be prepared, if you can be. If you feel your policies may need a review or you’d like to explore your options, please don’t hesitate to reach out to your adviser or the main office. Please don’t put it off—tomorrow isn’t promised. 💔

For Damian’s clients, if you haven’t yet been contacted by Peace of Mind and assigned a new adviser, they will be in touch in due course. In the meantime, if you have any questions or concerns, please contact the main office, and they will be happy to help.

📞 01723 364446
📧 [email protected]

Thank you again for your support in these difficult times.

Much love,
Michelle and Scarlett Howarth
(Damian's wife and Daughter)

14/05/2024

As some of you might have noticed I have been quiet on here for a little while.
The reason is that just before Christmas, I received a diagnosis of Oesophageal Cancer. For the last 5 weeks, I have been travelling to and from Castle Hill Hospital Monday - Friday to receive chemotherapy and radiotherapy treatment.

Luckily, I have had little side effects, and I have still been able to work away in the background while being supported by my brilliant colleagues at Peace of Mind Financial Solutions Ltd .
Today, I received this very thoughtful card and treat from Hunters, who I have been working along side since the start of the year and who have also been incredibly understanding and supportive. Big thank you to my colleague Marie, who is doing a fantastic job of looking after Hunters while I am unable to be in the office in person.

I still have a while to go and further treatment to have, but I want to reassure everyone I am still here and I am working so please do not hesitate to contact me!

Also, a gentle reminder to PLEASE check your critical illness and income protection policies. Don't think 'It won't happen to me' or 'I'll do it later', because it has happened to me and later might be too late!
If you have any questions, or your circumstances have changed since you set up your policies, please feel free to contact me directly, or reach out to your Peace of Mind Financial Solutions adviser who will be happy to help.

On a final note if you or a loved one have been affected by cancer, you are not alone, and it is ok to ask for help. Macmillan Cancer Support have been an incredible help for me and my family during these difficult times, so please reach out to them if you need support, or if you just want a chat, give me a call!

📲 07901 978904
📧 [email protected]

25/04/2024

Wow. Dream home anyone?

19/02/2024

Thinking of moving?

Check out some local properties in the article below! 👇🏻

See something you like? You know where I am! 🙋🏻‍♂️

📲 07901 978904
📧 [email protected]

13/02/2024

Scarlett's Chop For Charity 💇🏻‍♀️

This Saturday, the 17th February my 8 and a half year old daughter - Scarlett is having her haircut to donate to The Little Princess Trust in Scarlett's words - 'To help children who have lost their hair because of the medication and treatment for cancer. I want to try and help make them feel better and more like themselves again!'

If anyone feels like they would like to donate to 'Scarlett's Chop For Charity' please follow the link below, all money raised goes straight to The Little Princess Trust. Each wig cost £500 to make and each fitting is £150, so we would love to raise a little money as well as donating her hair to help a child feel a little more 'like themselves'.

Help Michelle Howarth raise money to support Little Princess Trust

30/01/2024

🤓

On the 12th January, we celebrated our successes and achievements of 2023, at our annual Gala Dinner & Awards night.
A big thank you to Leah and the team at The Mayfield, who gave us all a wonderful evening.
We have a great team at Peace of Mind Financial Solutions Limited, who work hard in these difficult times, to always strive to do what is best for our clients.
In 2024 we are working with Sparks as our Charity of the Year, to try and make a difference in our community.
If you would like some advice regarding your Mortgage & Insurance needs please contact the office on:
01723 364446
[email protected]
Or via our Facebook or Instagram page.
🎊

02/01/2024

2️⃣0️⃣2️⃣4️⃣

What's in your plans for the year ahead?

🏘 Buying your 1st home?
🏠 Moving house?
🏡 Finding your forever home?
🏙 Building or expanding your property portfolio?

Looking for some advice or help planning your next move?
I am here to help! 🙋🏻‍♂️

📲 𝗣𝗵𝗼𝗻𝗲/𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 - 𝟬𝟳𝟵𝟬𝟭𝟵𝟳𝟴𝟵𝟬𝟰
📧 𝗘𝗺𝗮𝗶𝗹 - 𝗗𝗮𝗺𝗶𝗮𝗻@𝗽𝗼𝗺𝗳𝘀.𝗰𝗼.𝘂𝗸

𝘠𝘖𝘜𝘙 𝘏𝘖𝘔𝘌 𝘔𝘈𝘠 𝘉𝘌 𝘙𝘌𝘗𝘖𝘚𝘚𝘌𝘚𝘚𝘌𝘋 𝘐𝘍 𝘠𝘖𝘜 𝘋𝘖 𝘕𝘖𝘛 𝘒𝘌𝘌𝘗 𝘜𝘗 𝘙𝘌𝘗𝘈𝘠𝘔𝘌𝘕𝘛𝘚 𝘖𝘕 𝘠𝘖𝘜 𝘔𝘖𝘛𝘎𝘈𝘎𝘌.
𝘞𝘦 𝘯𝘰𝘳𝘮𝘢𝘭𝘭𝘺 𝘤𝘩𝘢𝘳𝘨𝘦 𝘢 𝘧𝘦𝘦 𝘧𝘰𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘢𝘥𝘷𝘪𝘤𝘦, 𝘩𝘰𝘸𝘦𝘷𝘦𝘳 𝘵𝘩𝘪𝘴 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘥𝘦𝘱𝘦𝘯𝘥𝘦𝘯𝘵 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴. 𝘖𝘶𝘳 𝘵𝘺𝘱𝘪𝘤𝘢𝘭 𝘧𝘦𝘦 𝘪𝘴 £399.

19/12/2023

Cuppa Time! ☕

Advantages from working from home...having a microwave to reheat my cup of tea I got too busy to drink! 😂

If you have any question or queries you want answering before the Christmas break you can ring or message/WhatsApp me on 07901978904 or I will be in the office at Peace of Mind Financial Solutions Ltd on Thursday and Friday this week!
You can also email me on [email protected]