Buying a property can be the biggest decision made in our lives and is why having the right advice is so important…

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

Buy to Let mortgages are not regulated by the Financial Conduct Authority

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits

First Time Buyer

Helping you get on the property ladder


Saving you money on your existing Mortgage

Buy to let

Help & advice on buying
that second property

Home Mover

Helping you every step of the way

Buying a property can be one of the biggest decisions made in our lives. It is for this very reason that impartial and whole of market advice is critical from a competent and qualified adviser. Whether you are a first time buyer, looking to remortgage, purchase a second home or even looking to release equity to provide income in retirement, call us today for a free initial consultation to discuss the most suitable mortgage available to fit YOUR needs.


Be reassured that at Howard Financial, we offer impartial ‘whole of market’ mortgage advice and offer a full recommendation service tailored to your individual circumstances.


Feel free to call for an informal chat on either Paignton 01803 554455 / Exeter Office 01392 409888 / Teignmouth 01626 897766 or contact us using our contact form.


The calculators are for illustrative purposes only and you should always seek advice

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How Much Can I Borrow?

Affordability Calculator

Monthly Gross Income£
Monthly Debt Expenses [?]£
Interest Rate:%

Mortgage repayment calculator?

What stamp duty will I pay?

Stamp duty land tax (or Land and Buildings Transaction Tax in Scotland) is a lump-sum tax that anyone buying a property or land costing more than a set amount has to pay. The rate you’ll pay the tax at varies based on the price of the property and the type

Here are just some of the lenders we use and have access to…


Call our expert
advisors now

01803 554455

Open 5 days a week until 6pm weekdays
Find our Torbay Office

Find our Torbay Office

Drop in today for a coffee and chat!

Drop in today for a coffee and chat!

Find our Exeter Office

Find our Exeter Office