About us

Bower is more than one of the most established and recognised independent companies in the equity release advice space

Based in Ongar, Essex, we’re a dynamic group of financial experts who thoroughly understand the market, the economy and the latest regulations – and, most importantly, we know how to use this knowledge and expertise to help you get to where you want to be. 

Each of our expert advisers work tirelessly to make sure you receive the highest quality financial guidance and support – without any pressure to proceed. In fact, we would rather advise you not to go ahead than provide you with the wrong product or service.  

We want to make sure you always feel in control of the decisions you’re making, and the financial path you’re forging for yourselves and your families. We want you to feel unwaveringly confident in your choices, regardless of whether the right route includes an equity plan or another more suitable home finance product. We’ll be with you every step of the way to discuss your options on your terms, at your preferred pace, in a way that makes you feel comfortable, reassured, and heard.  

Discover how Bower can help you

The story so far 

We’ve been on quite the journey since we founded the company back in 2006.  

Bower started out in the village Havering-atte-Bower, where our CEO, Geoff Charles, grew up, just 15 minutes from our current head office in Ongar, Essex.  

Our brand name Bower was born from the word for ‘shelter’ or ‘protection’. Back then, this is exactly what Geoff wanted to provide for local homeowners searching for sustainable mortgages and protection policies – and his philosophy continues to drive our customer-centric and sustainable approach today.  

Learn more about Bower’s evolution here

Our market position

Bower has grown considerably since our inception. After making a name for ourselves as a team of expert mortgage advisors, we soon expanded our offering to including advice on equity release plans; nearly a decade later, we grew our services further by launching Bower Private Clients, a new arm of the business dedicated to providing personalised lifetime mortgages to high net worth individuals.  

Fast forward to 2021, and Bower has grown into one of the country’s most trusted providers of home finance and equity release advice, with expert advisers across the whole of the UK. We’re held in high regard by the public and our industry peers; in fact, our work has been recognised by a range of schemes, not least the What Mortgage Awards and the Mortgage Strategy Awards. We are also proud to be a Platinum Trusted Service Awards winner with Feefo. You can read more about our awards here.  

Our mission

At Bower, we don’t just strive to be the country’s leading equity release advisory. We want to be known as a company you’ll be happy to do business with; an employer you’ll love working for; and a firm you’ll respect for its commitment to operating fairly, ethically and sustainably.  

Our Corporate Social Responsibility policy provides more information on how we’re actively engaging with our internal community, and setting plans in motion to improve practices within our firm and the wider industry.  

We’re also passionate about doing everything we can to look after our planet. Here, you can find a breakdown of the work we are currently undertaking to reduce our carbon footprint and achieve our goal of becoming carbon neutral certified by 2030.  

Our team

Our board consists of: 

  • Geoff Charles, Bower’s founder and Chief Executive. Over the years, Geoff has steered the company to become one of the few truly national market leaders in equity release. He’s the driving force behind Bower’s core values – Trust, Honesty, and Service – and is devoted to ensuring our customers receive the best advice from staff who are genuinely happy and fulfilled in their work.  
     
  • Andrea Rozario, Chief Corporate Officer. Andrea has decades of experience in the financial industry and boasts a long history in the equity release market. She was formerly Director General of the Equity Release Council, and its predecessor, Safe Home Income Plans (SHIP), the trade body for the equity release industry. Andrea brings her wealth of experience to Bower in setting ethical and consumer protection standards within our industry. 
     
  • Peter Mila, Chief Operating Officer. Peter has been with Bower since the very beginning and has been instrumental in our company’s growth, development and success. He has also played a key role in the implementation of our bespoke customer relationship management systems, which continue to underpin our operations and compliance. 

Our connections

Our Partnership division maintains an ever-expanding network of introducers. Andrea Rozario is continuously working with the mainstream and industry media as both a commentator and writer, often featuring in the national press. In fact, Bower is often quoted in newspapers including the Times, the Telegraph and the Daily Mail. 

Bower is a member of the Equity Release Council and adheres to and promotes the standards of the Council.