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Andy McOwat

Andy McOwat

Consultant Mortgage Broker, CeMAP, CertBB&C

01625 416396

Job title: Consultant Mortgage Broker

Date joined: December 2007

Role: Andy is a residential and buy to let mortgage broker with a comprehensive understanding of both. If you are looking to remortgage or move house, he can help. And if you are a landlord looking for residential investment finance, he can help with that too - even if you are just thinking of getting into buy to let. 

From a buy to let perspective, Andy is adept at finding solutions for investors with complex borrowing requirements, particularly those looking to finance HMOs and blocks of flats. And he regularly sources finance for landlords looking to invest using a limited company (SPV, LLP and trading businesses). 

Andy is always happy to chat to new customers, so if you're looking for some help give him a call. 

Experience: Andy has worked in the financial services sector since leaving school. His career includes 21 years at NatWest where he was a financial planning manager. Andy has also worked for several large mortgage brokerages including John Charcol in Manchester and Hamptons in Wilmslow. 

His professional qualifications include the Financial Planning Certificate, the Certificate in Mortgage Advice and Practice (CeMAP) and the Certificate of Business Banking and Conduct, which he passed with a merit. He is also a member of the Society of Mortgage Professionals.

Favourite film: A Man for All Seasons


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Testimonials: 

"Constant feedback and update on my application. Andy McOwat and Wendy Brown were extremely patient and very happy to explain issues clearly.

Thank you so much Andy for making this transaction a pleasant experience" A. Adegoke. Liverpool

"Andy, Wendy, Erin & Melanie have always been very understanding with us and explained things do us in detail when we forget things and they have a lot of patience and very professional" Q. Asaf. Manchester


"You managed to find a lender a lender that gave me a competitive rate with 1 month to decide on accepting it. I used the time to compare prices and I found some that were 1% lower at the AIP stage but were much higher at the application stage. So, I ended up accepting the offer that you found for me" K. Mufkahi. Birmingham


"Thank you for all your help over the years; it has been a pleasure dealing with you and we wish you all the best for the future" R & R Winter. North Yorkshire

"Andy is very responsive, professional and knowledgeable. No query or inquiry is too much trouble. Always hands on and ready to share prudent advice. Our business wouldn't have grown so smoothly without his support.

Equally, Wendy is very supportive and pro-active. We know we are in good hands and look forward to a long and productive business relationship" S. Jha. South Yorkshire

"Keeping me up to date in a very timely manner" E.Estelles. Glasgow


"I just wanted to send you both a note to say a big thank you for all your efforts in getting my mortgage approved – I know it was not an easy and straight forward process and I really appreciate all that you did. We have now exchanged contracts and I collected the keys to my new apartment last week! Thank you again for what you both did and I hope to use you again in the future." Imtiaz Kayani


"I received your invoice yesterday and have sent a cheque in todays post. Can't believe how fast you were with everything! Thanks once again, it has been a pleasure." Joanne Rowe

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Blogs

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  • Buy to Let Enters a ‘Silver Era’

    21.05.2019


    As savvy investors are looking to enhance their retirement income through other non-pension means, there has been a rise in older landlords. Andy McOwat, senior BTL consultant, explores how buy to let lenders are reacting to this change in the market and what’s on offer for the over 70’s investor.

  • How to maximise borrowing on a buy to let mortgage

    04.09.2018


    Think you know the maximum amount you can borrow when mortgaging or refinancing your buy to let? Think again. Expert mortgage adviser, Andy McOwat, shares his tips for eeking out a little bit more.

  • First-time landlords buying via a Ltd Co

    01.08.2018


    Entering the property market and looking to borrow via a Ltd Co? Everyone has to start somewhere, but just how easy is it to to get a Ltd Co buy to let mortgage if you’re new to the sector?

View all of Andy McOwat's Blogs
View all of Andy McOwat's Case Studies

NB: ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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