ABOUT US

 

Family run business offering straightforward, easy to understand advice…

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

We pride ourselves in not using all the jargon and nonsense that surrounds this industry, but offer clear, straight forward and understandable advice…

With offices in Torbay, Teignmouth, Exeter & Bristol, we’ve got the South West region 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 offers 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 the site 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.

 

We look forward to speaking with you soon…

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We are award winning

Word of mouth

Lee Howard – Managing Director – CeMAP – DipFA – CeRER – CertLTCP

 

I have been working in financial services for over 2 decades now and am passionate about helping clients navigate their financial journey.

 

We formed the company based on great personalised service and attention to detail and I love seeing the positive impact we have on people’s lives in helping them to achieve their financial goals.

Some of the most rewarding moments have been seeing clients from when they bought their first home, starting a family, and then going on to help their children to do the same.

I have now broadened my advice areas, with focus on financial planning and equity release through our sister firm, Orestone Wealth management.

 

Outside of work I am a keen car enthusiast and also enjoy mountain biking and snowboarding, not that I am particularly good at either, but enjoy them just the same!

 

My greatest passion is my family. My wife and fellow director Lisa, have 2 boys Ethan & Blake, who keep us on our toes.

Adrian Howard – Director

DipFA – CeRER – CertLTCP

 

I came on board as a Director / co-owner with Howard Mortgages in 2015 to aid in the expansion of the business. After seeing some phenomenal growth with the opening of two new offices and the expansion of the team we took the decision to setup our sister company to enable us to offer a full-service advice proposition.

 

I now head up our sister company as MD and advise within the firm on all aspects relating to pensions, investments, estate planning and later life care.

 

I live in Torbay with my family and when I am not enjoying being a dad, I enjoy very much living an outdoor lifestyle.

Adrian Howard – Director

DipFA – CeRER – CertLTCP

 

I came on board as a Director / co-owner with Howard Mortgages in 2013 to aid in the expansion of the business. After seeing some phenomenal growth with the opening of two new offices and the expansion of the team we took the decision to setup our sister company Orestone to enable us to offer a full-service advice proposition.

 

I now head up our sister company as MD and advise within the firm on all aspects relating to pensions, investments, estate planning and later life care.

 

I live in Torbay with my family and when I am not enjoying being a dad, I enjoy very much living an outdoor lifestyle.

Lisa Howard – Operations Director – DipRSA

 

I’m the Operations Director at Howard Mortgages and I am involved in the day to day running of the office. I have a HND in Business Administration and previously have worked for a variety of companies from Construction, Telecommunications and now Financial Services.

 

My spare time mainly involves running around after our 2 boys and eating leftover food along with the occasional run! I enjoy action / marvel films and I am currently working my way through testing out different Gin & Tonic’s.

Emily Putnam – Completions Manager

 

I joined Howard Mortgages in November 2015 having relocated to the South West from London. During my career I have worked for HSBC and Morgan Stanley; prior to that a couple of boutique Investment Management companies – in Administrative roles.

 

Outside the office I enjoy taking my dog out to enjoy the Devon scenery and beaches as well as enjoying the many fantastic restaurants in the area.

Emily Putnam – Completions Manager

 

I joined Howard Financial in November 2015 having relocated to the South West from London. During my career I have worked for HSBC and Morgan Stanley; prior to that a couple of boutique Investment Management companies – in Administrative roles. Outside the office I enjoy taking my dog out to enjoy the Devon scenery and beaches as well as enjoying the many fantastic restaurants in the area.

 

Outside the office I enjoy taking my dog out to enjoy the Devon scenery and beaches as well as enjoying the many fantastic restaurants in the area.

Liam Pellowe – Mortgage & Protection Advisor – CeMAP

 

I have worked within the financial services industry for over 12 years. I began with HSBC bank as a cashier and spent 5 years with the bank, during that time I progressed to dealing with personal & commercial clients banking, gaining a professional qualification along the way. I joined the Howard Mortgages team to be able to provide whole of market Mortgage advice and tailored Protection advice.

 

My passions outside of work include spending time with my family, I am a big football fan and also enjoy going fishing occasionally.

Liam Pellowe – Mortgage & Protection Advisor – CeMAP

 

I have worked within the financial services industry for over 12 years. I began with HSBC bank as a cashier and spent 5 years with the bank, during that time I progressed to dealing with personal & commercial clients banking, gaining a professional qualification along the way. I joined the Howard Mortgages team to be able to provide whole of market Mortgage advice and tailored Protection advice.

 

My passions outside of work include spending time with my family, I am a big football fan and also enjoy going fishing occasionally.

Sam Allnutt – Mortgage & Protection Advisor – CeMAP

 

I have been working in the financial industry for over 20 years and enjoy the challenge my clients give me. Its an exciting role as every day is different. I enjoy meeting new clients and getting to know their  stories and thinking about ways I can help them. I pride myself on giving an outstanding service and find that – in return – my clients recommend me to others.

 

I have two sons who both enjoy football and my eldest is a Semi professional footballer. I enjoy sailing, skiing, outdoor activities and spending time with family and friends.

Sam Allnut – Mortgage & Protection Advisor – CeMAP

 

I have been working in the financial industry for over 20 years and enjoy the challenge my clients give me. Its an exciting role as every day is different. I enjoy meeting new clients and getting to know their  stories and thinking about ways I can help them. I pride myself on giving an outstanding service and find that – in return – my clients recommend me to others.

 

I have two sons who both enjoy football and my eldest is a Semi professional footballer. I enjoy sailing, skiing, outdoor activities and spending time with family and friends.

Michael Gambles – Mortgage & Protection Advisor – CeMAP

 

I started my career in financial services at virgin money in 2015 as a banking associate. I was also promoted to nominated deputy manager and learnt invaluable skills dealing with customers.

 

In my spare time I enjoy kayaking when the weather is good. I have also completed the London marathon in April 2018 my first and last marathon. I am looking forward to building a successful career at Howard Mortgages.

Sarah Johnson – Mortgage Administrator

 

I started in Financial Services over 6 years ago, initially as a Mortgage Administrator and General Insurance Advisor for a large corporate following on from a long and successful career within the Sales and Marketing Industry, before joining the team at Howard Mortgages. I love the whole process of helping clients from start to finish on their journey through the Mortgage and Protection arena and nothing beats seeing them achieve the goal of securing their new home. It certainly helps working with such a great team, who are professional but still retain that family-run ethos.

 

At weekends I love nothing more than walking my 2 dogs, Dora and Daisy over the hills of Combeinteignhead where I live with my Fiancée Stuart and two children Sammy and Evie Rose. My other passion is growing my own fruit and veg, especially turning the apples from the apple trees into Cider!

Sarah Johnson – Mortgage Administrator

 

I started in Financial Services over 6 years ago, initially as a Mortgage Administrator and General Insurance Advisor for a large corporate following on from a long and successful career within the Sales and Marketing Industry, before joining the team at Howard Mortgages. I love the whole process of helping clients from start to finish on their journey through the Mortgage and Protection arena and nothing beats seeing them achieve the goal of securing their new home. It certainly helps working with such a great team, who are professional but still retain that family-run ethos.

 

At weekends I love nothing more than walking my 2 dogs, Dora and Daisy over the hills of Combeinteignhead where I live with my Fiancée Stuart and two children Sammy and Evie Rose. My other passion is growing my own fruit and veg, especially turning the apples from the apple trees into Cider!

Emma Whitney – Mortgage & Protection Advisor –

CeMAP

 

I have worked in the financial and property industry since 2007, working for two high street banks and also in estate agency, which has given me an invaluable detailed knowledge of the house buying process and the hurdles often presented. I began mortgage advising in 2013, which is my true passion, as I love helping clients realise their dreams and goals. Every day is different, with no one client being the same as the next, which provides a great challenge.

 

In my spare time I like to get out into the countryside with my border collie and enjoy the wonderful nature we have around us. I am a massive formula one fan which takes up many of my weekends as well as the MotoGP.

Jo Wright – Mortgage Administrator

 

Previous to Financial Services, my 20+ year career has been working in compliance for the private & public sector. I decided to take a break from this line of work to be able to work more closely with customers and apply my wide range of skills in a new and fast paced industry. I’m a customer focused person, with an eye for detail and I have a passion for spreadsheets!

Work aside, I enjoy spending time with my husband, family, and friends, I enjoy walking on the Southwest Coast Path and Dartmoor. I also enjoy watching rugby, particularly the Exeter Chiefs and England. At home we have an adorable Maine Coon cat called Bonnie, she rules our household but gives the best cuddles!

Jo Wright – Mortgage Administrator

 

Previous to Financial Services, my 20+ year career has been working in compliance for the private & public sector. I decided to take a break from this line of work to be able to work more closely with customers and apply my wide range of skills in a new and fast paced industry. I’m a customer focused person, with an eye for detail and I have a passion for spreadsheets!

 

Work aside, I enjoy spending time with my husband, family, and friends, I enjoy walking on the Southwest Coast Path and Dartmoor. I also enjoy watching rugby, particularly the Exeter Chiefs and England. At home we have an adorable Maine Coon cat called Bonnie, she rules our household but gives the best cuddles!

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01803 554455

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

Find our Torbay Office

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Book an appointment today!

Find our Exeter Office

Find our Exeter Office