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Andy McOwat

Andy McOwat

Job title: Senior Consultant Mortgage Broker

Date joined:
 December 2007

Role: As a buy to let specialist, Andy is adept at finding solutions for investors with complex borrowing requirements, in particular for HMO and multi-unit properties. With decades of experience, he’s an expert in sourcing finance for those investing personally, through an SPV limited company, LLP and trading businesses.

Andy is always happy to chat with new clients; so if you’re looking for home 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 merit. He is also a member of the Society of Mortgage Professionals.

Favourite film: A Man for All Seasons


"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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    If you’re in the fortunate position of having extra funds available for savings and investments, then you are likely considering making additional payments on your mortgage. But how much will you actually save? And what are the pros and cons of regular mortgage overpayments? And should you overpay on your mortgage or save the money in an account? Find out from UK mortgage advisers.

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