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Howard Mortgages

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Howard Mortgages

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Local Award-winning, friendly advice for all of your Mortgage, Protection & Insurance needs http://www.howardmortgages.co.uk Marychurch, Torquay, TQ1 4PR.
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With offices in Torbay, Exeter, Teignmouth & Bristol, we’ve got the Southwest covered and can service customers throughout the whole of the UK. Our team of expert mortgage advisers are on hand to provide you with tailored mortgage solutions that fit. We’re known for our excellent service that gives customers a simple and cost-effective process. Service should be seamless so we make sure our customers work with the same expert mortgage adviser from start to finish. Our mortgage advisers provide straight-talking mortgage advice – whether you’re a first-time buyer, remortgaging, buying to let, or simply buying a new home, they’re there to work out what’s most suitable for you. Dedicated case managers handle every aspect of the process, from form filling to chasing things up. Howard Mortgages have won both local and national awards for advice and service. Please browse our website and check out our blog page for latest news. Do be aware, it is not always the cheapest rate is the best deal, so give us a call today and we can discuss with you the most suitable options for YOU. Howard Mortgages is a trading style of (UK) Howard Financial Limited an appointed representative of Quilter Financial Services Limited which is authorised and regulated by the Financial Conduct Authority. Registered address: 1, The Old Bank Chambers, Fore Street, St. incorporation number 08640589 Registered in England & Wales. Learn more: http://www.howardmortgages.co.uk

Call us today: 01803 554455

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.

31/10/2026

🎃HAPPY HALLOWEEN FROM HOWARD MORTGAGES!

Things have been getting a little spooky around the office… and it looks like the whole team has been getting into the Halloween spirit!

We’re wishing everyone a fang-tastic Halloween filled with treats, tricks and plenty of fun!

Have a spooktacular day, everyone! 🖤

30/10/2026

When we think about our homes, we often focus on what they're worth. But have you ever thought about how the equity you've built up could help with your future plans?

Whether you're considering home improvements, consolidating existing borrowing, or helping a family member onto the property ladder, your property could potentially open up new financial options.

What is equity?

Put simply, it's the difference between your property's current value and the amount you still owe on your mortgage.

Depending on your circumstances, you may be able to access some of that equity through additional mortgage borrowing.

Of course, borrowing against your home isn't a decision to take lightly. It's important to understand the costs, risks and long-term implications.

28/10/2026

The latest Budget includes several announcements that could impact homeowners, first-time buyers and household finances. Here are some of the key highlights.

Property & First-Time Buyers
• Additional funding for affordable and social housing
• Plans for a new government-backed equity loan scheme for first-time buyers
• Proposed changes to the Lifetime ISA and support for first-time buyers

Household Finances
• Measures aimed at reducing energy and fuel costs
• A 3.9% increase in minimum wage rates
• Changes to savings and property income taxation

Looking Ahead
With changes to household budgets, savings and property support, it’s important to understand how the announcements could affect your plans to buy a home, remortgage or move property.

27/10/2026

🎃🏃‍♂️ Supporting a fantastic local cause!

Sam was proud to be there with ELF (Exeter Leukaemia Fund) at the Exeter City Community Trust’s 5 and 10 Mile Halloween Run.

Organised by Exeter City Community Trust, the event brought the community together for a great cause, supporting the incredible work of Exeter Leukaemia Fund.

At Howard Mortgages, we love seeing our community come together to support such important causes. Well done to everyone who took part and helped make the event a success! 👏

26/10/2026

With the recent stormy weather across the UK, it's a timely reminder of just how important it is to check your home insurance policy.

Strong winds, heavy rain and unexpected damage can happen when we least expect them, but do you know exactly what your insurance covers?

Now is a good time to review your policy and check:

Buildings insurance – Does your policy provide adequate cover for your home, including storm-related damage?

Contents insurance – Are your belongings protected, and is the level of cover still sufficient?

Policy exclusions – Are you aware of any restrictions or conditions relating to storm damage?

Excess payments – Do you know how much you would need to contribute if you made a claim?

It's also worth checking that your policy reflects any home improvements, extensions or significant purchases you've made.

21/10/2026

Your home is likely to be one of the biggest financial commitments you'll ever make, so making sure it's adequately protected is an important part of homeownership.

Buildings insurance is designed to cover the structure of your property against certain unexpected events, such as fire, flooding, storms and subsidence, depending on your policy.

But did you know that building insurance should generally be based on the cost of rebuilding your home, not its market value?

It's also worth checking that your policy reflects any changes you've made to your property, such as extensions or major renovations.

A few things to consider:

- Does your policy provide sufficient rebuilding cover?

- Are you aware of any exclusions or excesses?

- Have you reviewed your cover following home improvements?

- Do you understand what is and isn't included in your policy?

If you have a mortgage, your lender will usually require you to have suitable buildings insurance in place.

Because owning a home isn't just about getting the keys, it's about protecting what you've worked hard for.

18/10/2026

There’s something about a Sunday that gets us thinking about the week ahead… and sometimes, the bigger plans for the future.

Whether you’ve spent the weekend browsing properties, dreaming about your first home or wondering if it’s time to review your current mortgage, a little preparation can go a long way.

Understanding your budget, knowing your mortgage options and getting your finances in order can help you feel more confident when the time comes to make a decision.

So, if your Sunday scrolling has turned into serious house hunting, why not make this the week you start exploring your options?

15/10/2026

Life changes, and your mortgage needs can change with it.

Whether you've had a change in income, your household circumstances have evolved, or you're simply getting closer to the end of your current mortgage deal, it's worth taking the time to review your options.

Many homeowners don't think about their mortgage until their existing deal is about to expire, but planning ahead can give you more time to understand what's available and make informed decisions.

At Howard Mortgages, we believe understanding your mortgage is just as important as choosing one in the first place.

When was the last time you checked when your current mortgage deal ends?

Address

1 The Old Bank Chambers, Fore Street, St Marychurch
Torquay
TQ14PR

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	10am - 4pm

Website

http://www.howardmortgages.co.uk/

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