Business Details
Trusted Mortgage Brokers in Newport
Harvey Bowes is a trusted mortgage brokerage based in Newport, dedicated to providing tailored property finance solutions for investors and homeowners. With nearly three decades of industry experience, our team combines deep market knowledge with a personal approach to meet diverse client needs. Specialising in HMO, bridging, and buy-to-let mortgages, we leverage strategic partnerships with lenders to deliver bespoke financing options. Our founder, Howard Bowes, brings award-winning expertise as both a broker and property investor, ensuring our advice aligns with real-world investment challenges. We prioritise transparency, offering services such as portfolio reviews, credit assessments, and fast-track applications to streamline the financing process.Client testimonials highlight our responsiveness, creative deal structuring, and ability to handle complex cases, from auction purchases to international investments. As an authorised credit broker regulated by the Financial Conduct Authority, we maintain rigorous compliance standards while focusing on long-term client relationships. Our services extend beyond mortgages to include company setup, valuation assessments, and cashflow forecasting, positioning us as a comprehensive partner for property finance journeys.
Services
Commercial Mortgages
HMO Mortgages
Bridging Finance
Serviced Accommodation
Buy-To-Let Mortgages
Second Charge Mortgages
Auction Finance
Residential Mortgages
International Investors
Portfolio Funding
Highlights and features
- We offer nearly 30 years of property finance expertise with investor-focused solutions.
- Our team structures bespoke finance packages with creativity and integrity.
- We provide access to specialist lenders and competitive rates for complex cases.
- Our dedicated case managers ensure fast, efficient processing for time-sensitive deals.
- We combine broker expertise with personal support from property investment professionals.
Associations and certifications
- Financial Conduct Authority
What people say
Expert guidance
Timely support
Tailored solutions
Proactive approach
Professional service
Services
Commercial Mortgages
We provide tailored commercial mortgages for businesses and investors purchasing, refinancing, or expanding property portfolios. Our solutions include competitive fixed and variable rates from high street and specialist lenders, with flexible repayment terms aligned to cashflow needs. Ideal for business owners seeking control over commercial property investments.
HMO Mortgages
Specialist HMO mortgages support landlords buying or refinancing properties rented to multiple tenants sharing facilities. We offer funding for both established and conversion projects, with access to HMO-friendly lenders and finance structures optimised for high-yield, multi-tenancy strategies.
Bridging Finance
Our bridging finance solutions provide rapid capital access for property purchases at auction, chain breaks, or refurbishment projects. With up to 100% funding available for below-market-value deals, we enable investors to secure time-sensitive opportunities while arranging long-term financing.
Buy-To-Let Mortgages
Flexible buy-to-let mortgages cater to individual and portfolio landlords, offering market-leading rates and portfolio loan options. We support remortgaging to unlock equity or switch to better rates, tailored for landlords managing rental properties through personal or limited company structures.
Serviced Accommodation
Specialist financing for short-term and holiday rental properties, including Airbnb and seasonal lets. Our income-based valuations consider projected rental income, with lender options ranging from high street banks to niche providers serving the serviced accommodation sector.
People
Howard Bowes
CEO & Founder
Award-winning property finance broker with 30 years' experience. Howard combines broker expertise with personal property investment insights to deliver client-focused solutions, specialising in complex case structuring and lender negotiations.
Paul Frances
Managing Director
Specialises in residential, HMO, and commercial mortgages. Paul manages complex cases including title splits, portfolio funding, and second charge arrangements, leveraging extensive lender relationships to secure tailored financing solutions.
Tannia Vergerson
Mortgage Broker
Focuses on buy-to-let and HMO mortgages, with expertise in refinancing and development finance. Tannia's proactive approach ensures seamless case progression, particularly for time-sensitive or high-complexity property investments.
Michalina Majer
Commercial Broker
Specialist in buy-to-let and bridging finance case management. Michalina supports investors with portfolio acquisitions and complex financing structures, maintaining strong lender partnerships to expedite application processes.
Grant Poole-Adams
Mortgage Broker
Expert in bridging finance, auction deals, and complex buy-to-let mortgages including HMOs. Grant assists ex-pat investors and portfolio landlords with tailored financing strategies, focusing on SPV acquisitions and portfolio growth.
Questions
What mortgage options do you offer for property investors?
We specialise in HMO, buy-to-let, bridging, and commercial mortgages, with tailored solutions for portfolio landlords and complex investment scenarios.
Can you help with difficult or non-standard mortgage cases?
Yes, our team excels at structuring creative finance solutions for complex cases, including auction purchases, refurbishment projects, and adverse credit situations.
Do you work with first-time property investors?
Absolutely. We provide guidance for new investors, including HMO financing, portfolio setup, and limited company structuring for future investments.
How quickly can you arrange bridging finance?
Our fast-track service guarantees same-day processing when documents are complete, with typical bridging finance arranged within days for urgent purchases.
What areas do you cover?
Based in Newport, we serve clients across Wales and the UK, with specialist support for regional property markets and investment opportunities.
Are you regulated by the Financial Conduct Authority?
Yes, Harvey Bowes Financial Services Limited is authorised and regulated by the FCA under number 782846 for mortgage and consumer credit mediation.
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