Let Bower Private Clients be your trusted partner in navigating the mortgage landscape, ensuring a seamless and successful path to securing your mortgage.
At Bower Private Clients, we understand that a mortgage needs to work for you and your circumstances. Which is why we provide tailored mortgage advice that aligns seamlessly with the intricacies of your lifestyle. Our specialist mortgage advisers provide a bespoke experience, offering you personalised, expert advice and guidance to help you find the mortgage that suits your needs.
At Bower Private Clients, our specialist advisers search the whole market to ensure you walk away with the best mortgage for your unique circumstances. We excel in high-value mortgage advice, catering to a range of individuals seeking bespoke solutions.
Perfect for high net worth borrowers or those looking to add property into their investment portfolio, high-value mortgage are specifically crafted for properties that stand out due to their exceptional market value.
Fulfill your property dreams with Bower Private Clients. With a deep understanding of the intricacies involved in million-pound mortgages, we’re committed to providing you with the guidance, insights, and support needed to make informed decisions.
Whether you’re aiming to invest in luxury property or finance your dream home, we understand the complexities of securing large mortgage loans, and we’re ready to leverage our extensive experience and industry connections to your advantage.
High Net Worth Mortgages are ideal for high-earning professionals who need a bespoke financial solution crafted to accommodate the unique mortgage needs and financial situations of their with substantial and stable income levels.
Typically suited to those with varied income sources, complex income mortgages are specialised financial solutions designed for individuals whose income structures do not conform to the traditional models typically favoured by mainstream lenders.
Unlike traditional salaried employees, company directors often draw a combination of salary and dividends from their businesses and may also retain profits within the company. Mortgages for company directors are structured to accommodate the unique financial profiles that come with business ownership.
Offset mortgages are often used as a strategic financial tool for those looking to balance savings and mortgages to maximise their financial efficiency and flexibility. With a unique blend of benefits, this is often attractive for savvy savers and those seeking financial flexibility.
Mortgages for doctors are tailored financial solutions designed to meet the specific needs of medical professionals. Recognising the stability and earning potential inherent to the medical profession, these mortgages accommodate varying income levels, including NHS banding, locum work, and private practice earnings.
Perfect for investors, buy-to-let mortgages are ideal for those looking to add to their property portfolio and make the most out of an investment property. With a range of options available to the market, our mortgage advisers can help you find the most suitable option for your circumstances.
Designed with independent professionals in mind, such as freelancers, contractors, and consultants, these mortgages take into account the unique financial situation of contractors, providing a more flexible and accessible way for contractors to secure a mortgage, despite their non-traditional employment status.
Dentist mortgages are specialist lending products tailored to meet the unique challenges faced by dental professionals. Whether you’re a foundation dentist just starting out or an established practice owner, we tailor your mortgage solution to your career path.
We work with specialist mortgage lenders across the market who understand the nuances of entrepreneurial finance and can review your income streams, including dividends and contractor income, when assessing your application. Whether you are are a first time buyer or looking to re-mortgage, we can help you find the right mortgage for your circumstances.
Whether you’re a first-time buyer or a limited company seeking a tailored buy-to-let mortgage, Hertfordshire broker Koulla Kakouris helps you secure the right deal for your needs. With decades of experience and access to the whole market, Koulla finds the best mortgage to match your circumstances and make your property goals a reality.
Take the first step in your mortgage journey today and speak to our team.
Take a look at what our clients are saying about our service.
I received fantastic service. My advisor was very proffesional and guided me through the whole process he was very knowledgeable about the products and worked hard to find the right one for me. He was always there to advise me and answer any questions I may have. I would not hesitate to recommend this company and my advisor to anyone requiring these services. I would definately give them 10 out of 10.
Miss Steel
Bower were worry-free, polite, efficient and friendly and got the job done with no fuss or bother. They kept us in the loop at all times, making us feel at ease, and any questions we asked, they responded with clarity and accuracy. We highly recommend them to anyone selling their house and doing an equity release. And all the sub people were excellent. Vanessa Carver was brilliant; she made it run smoothly. She was a godsend.
Mr & Mrs Kindon
GBR
Considering Equity Release was a big decision for me. Living on my own meant I had no-one to bounce ideas off so I hesitated for three months before I made the decision to contact Bower Home Finance. I read the amazing reviews they had and decided they were the ones for me. I made the initial contact on the 4th November 2025 and by the next day I was talking to Ian Bigwood who had been allocated to me. Ian had the patience to answer all of my (sometimes silly) questions, but I wanted to make sure I was doing the right thing. Ian took on board everything I said, on where I needed to be in the next twelve months and my long term goals post retirement. He advised me perfectly on what I needed and remained in full contact throughout the process, even when I wasn't expecting to hear from him. He liaised with other parties such as an equally as professional Solicitor Team to provide a perfect, worry-free service and they all contacted me when they were meant to. No delays, no stress. On the 13th January 2026, Ian called to say "Have you checked your bank account?" (I hadn't). The process was complete. In just over two months, the process was done, with no worries for me. Just to say to Bower Home Finance, you have a thoroughly professional and likeable member of your team. Easy to deal with, no pressurised questions, just the information you need and on call whenever you need them. I have no hesitation in recommending their services. I can't see how any other company could be more efficient. 10/10 from me. Oh and Ian - you may have just changed my life. And for that, I cannot be more grateful. Thank you for all you have done.
Mr Salt
GBR
I was recommended to use Vanessa Carver of Bower from a customer of mine who had employed her services and I haven't regretted one day of my decision to use her.... she is totally suited to the job she does - informative, always there for any questions or worries, empathetic, positive and very clever and knows her stuff - in short, I would recommend her to anyone as she has supported me all the way through a very stressful period of time and gone over and above the call of duty.... Bower are so lucky to have her.
Mrs Cooke
Bower Private Clients provides independent, impartial whole of market mortgage advice with an award-winning customer service experience. Initial advice is provided at no cost to you and without obligation. Only if you choose to proceed, would a typical advice and administration fee of £495 be payable.
Speak to one of our dedicated customer specialists or arrange your free, initial no-obligation quote by calling us on 0203 817 6040.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Some buy to let mortgages are not regulated by the Financial Conduct Authority.
Bower Private Clients is a trading style of Bower Retirement Limited and is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number: 451607.
Registered in England and Wales No: 5788110. Registered office: Bower Private Clients, Ongar Business Centre, The Gables, Fyfield Road, Ongar, CM5 0GA.
0808 281 2658
customer.services@bowerhomefinance.co.uk