Whatever the economic climate, we will work with you to ensure that the financial products that you have remain suitable for your needs. We tailor solutions for your current and future situation to ensure that you have the most suitable products in place. Howard mortgage & Finance is an appointed representative of Personal Touch Financial Services who are Authorised and Regulated by the Financial Services Authority.

Serviced Areas

  • Torbay, Plymouth, Exeter & South Devon

Contact Details

  Website
  City Torquay
  Postcode TQ1 4PR
  Address 1, The Old Bank Chambers, Fore Street, St. Marychurch
  Phone Number 018 0355 4455

  • I would recommend this business

Sam Allnutt was extremely efficient and very knowledgeable. Our mortgage was accepted really quickly with no issues. A really professional service. Would highly recommend her and Howard Mortgages. Many thanks.

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  • I would recommend this business

Sam Allnutt is just an absolute pleasure to deal with. Mortgage done and sorted in super quick time with no issues and every stupid question I posed answered with a smile. Cannot recommend enough to anyone looking for a friendly, knowledgeable and talented broker. Thanks Sam!

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  • I would recommend this business

Sam and Lisa have both been amazing helping us get our first mortgage. They are very friendly and approachable and we would definitely recommend them to any first time buyers!

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  • I would recommend this business

Sam, thank you so much for your help in sorting our remortgage and life insurance. You made the process extremely easy and pain free! I couldn’t recommend the service more highly.

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  • I would recommend this business

I have had the pleasure of working with Sam Allnutt as my mortgage advisor. Sam is a very friendly person who has worked very hard to get my mortgage for me. Everything has been done very efficiently and quickly. I would recommend Howard Morgages to anyone that is looking for a mortgage advisor.

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  • I would recommend this business

I’ve had a fabulous experience remortgaging my property with Sam Allnutt. She really knows what she’s talking about. The instructions were easy to follow, the process was smooth, the cost was reasonable, the options were clear and communication was prompt. It couldn’t have been easier. Thank you. I highly recommend.

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  • I would recommend this business

Sam has the patients of a saint, helped me with my first enquiry 10 months ago, advised and helped with every step of the way through various scenarios before and after lock down. Nothing was ever a problem and always available to talk to when needed.
5* service from Sam and the team!

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  • I would recommend this business

Brilliant service from Sam. She was always prompt to reply and positive when solving problems. Thank you, Sam!

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  • I would recommend this business

I have had the pleasure of working with Sam on a number of remortgage options and when purchasing my new home. Sam has been so supportive, clear in her advice and guidance and is very professional in her approach and she is super friendly too! I would highly recommend Sam and Howard Mortgages!

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Overall ratingExcellent

  • I would recommend this business

Sam has been efficient, professional but also so friendly to work with and has made the whole process smooth and easy for us. We have had difficulties along the way but Sam has been very prompt in dealing with these. Thank you for you all your hard work and we look forward to meeting again in the future.

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Overall ratingExcellent

  • I would recommend this business

Howard Mortgages were recommended by a colleague and they've been a real pleasure to deal with. Sam is friendly and very knowledgeable about the products available. I've got a great rate on my re-mortgage and will definitely use them when I come to re-mortgage again.

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Overall ratingExcellent

  • I would recommend this business

Sam was helpful and efficient. She made the whole process feel easy and organised a great deal for us in a short time. She was always available to answer any questions and always responded to us very quickly.

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Overall ratingExcellent

  • I would recommend this business

We have now a mortgage because of Howard Financial.
All the process was stress free and we were supported and advised during every step.
I highly recommend to use their services.
They are very profesional and they were very focused on our needs.
Thank you for your help!!!

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  • I would recommend this business

Liam and the team have been so supportive and shown how professional they are. Never once did we feel nervous or in doubt of Liams ability to achieve what he said he could do. Ours was not a straight forward mortgage, here we are few weeks and our mortgage is approved , now proceeding with our house move. Words thank you just not enough of how grateful we are to Liam. wonderful gentleman

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  • I would recommend this business

Sam was a pleasure to deal with and went above and beyond for us. Very flexible and committed with a professional and helpful approach. Would definitely recommend! Thanks! Sim and Mike

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  • I would recommend this business

Fabulous service from Sam, being first time buyers we didn’t really know much. Sam was so helpful giving us all the information we needed, was always there to answer any questions and very prompt with getting back to you with updates. Sam is very knowledgable and professional, a credit to Howard Financial!

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  • I would recommend this business

We were contacted by Sam through Absolute estate agents, we got in touch with her and she came to the house to sort out our mortgage .
She was very friendly and efficient and was always available by phone or email ,can't thank her enough for all her help to get our mortgage.
Look no further if your looking for help to get a mortgage or any financial help...you won't be disappointed.
Thanks Sam and Howard Financial....5 stars

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Social Activity

Thanks @VirtuosoPA - we now have a refer a friend offer! Check it out! https://t.co/Su7u3B9Vtr #referafriend https://t.co/YGs1WJ7Jrz
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The beginning of this year has been one of the busiest ever starts to a new year for the property market as hundr https://t.co/ctOagHLe6c
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Happy New Year! We're OPEN & happy to help! The team at Howard Mortgages remain working & fully operational in l https://t.co/FNmUXuuXZr
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Positive start to the property market in 2021 as house price growth hits five year high in December, Stamp Duty h https://t.co/tgt6YyZPyE
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Xmas Greetings from Howard Mortgages We would all like to thank-you for your continued support throughout the https://t.co/r6M0XJk3si
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Refer a friend, residential property review, keyworker mortgages & more in the December Newsletter from Howard Mo https://t.co/9gB6YDSGly
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We believe a recommendation is the highest praise you can receive so weve launched a new way to thank our custom https://t.co/XCDczS66VZ
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From Our Website

Mortgage Prisoners The Mortgage Market Study by the Financial Conduct Authority (FCA) estimated that around 140,000 borrowers were unable to. Equity Release in 2021 During the pandemic, the idea of borrowing against the value of your home may sound appealing to increasing numbers w. New Year, New Home The beginning of this year has been one of the busiest ever starts to a new year for the property market as hundreds of h. Neither Howard Financial nor Quilter is responsible for the accuracy of the information contained within the linked site.


With offices in Torbay, Exeter & Teignmouth, we've got Devon 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 guarantees 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.


If you have a mortgage, your lender will insist that your property (and their security) is protected by buildings insurance. It usually pays out if your property is destroyed by fire, floods or subsidence (although you will need to check if you live on a flood plain, for example). Damage to fixed fittings such as baths and kitchens are often included, as well as sheds, greenhouses and garages. If you purchase a leasehold property (such as a flat in a block of flats) the freeholder may have arranged buildings insurance for the whole block, in which case you may not need your own buildings policy.


Hear at Howard Mortgages we can help you plan for the unexpected. If you are looking to protect a mortgage, make sure you leave money behind for loved ones, protect your business or other areas such as private medical insurance and critical illness cover we have got it covered. We will design a tailored made solution that fits in with your objectives and comes in at a budget that affordable. Neither Howard Financial nor Quilter is responsible for the accuracy of the information contained within the linked site.


Do you depend heavily on the skills and judgements of others within your business? Are these people vital to its effectiveness and profitability? If so, have you considered the financial impact that the death or critical illness of such a key person would have on your business? In some instances, the financial impact could be so great, that the business is unable to continue. Business Protection allows you to put in place cover that would ensure that funds become available, should a key person in your business become critically ill or die.


A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term. With some term insurance policies you can add additional options, for instance critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy. This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum.


An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age). This type of plan is quite often seen as the foundation of any financial planning as it is likely that other plans will have to be given up if you do not have sufficient income coming into the household.