Susan Brown
27 Mar 2026Would recommend John Milner to everyone really friendly and helpful
Bower Home Finance Mortgage and Equity Release Advisers is an FCA-regulated mortgage broker based in Stockton-on-Tees, TS17 6DA, specialising in Buy-to-Let, First Time Buyers, Remortgages and 1 other areas. Rated 5/5 from 2 reviews.
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Meet our experienced team of mortgage professionals
Susan Brown
27 Mar 2026Would recommend John Milner to everyone really friendly and helpful
Josie Butler
16 Mar 2026First rate service. Informed all the way. Questions answered and progress updated.
Robert Taylor
16 Mar 2026Lisa was a great help to us explained everything straight forward and made sure everything run smoothly pleasure to deal with Lisa. Thank you
Barry Waddingham
12 Mar 2026Neil simplified the process and every question or worry that we had. He maintained contact throughout and after the funds were released which we both found reassuring. Excellent Advisor to deal with!
Waldeck Douglas
6 Feb 2026Thank you Matthew, from the moment I contacted you regarding Equity release, you made my wife and I very comfortable throughout the process and updated us at every stage, yes this is a job well done....Thank you again. Mr + Mrs Douglas.
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Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
Approximately 220,000 rented homes are expected to be sold by the end of 2026, representing around 5% of the UK s private rental stock. This is largely attributed to the upcoming Renters Rights Act.

A complete guide to buy-to-let tax in 2026 — covering Section 24 mortgage interest relief restrictions, capital gains tax, allowable expenses, and tax-efficient structures.

Step-by-step guide for first-time landlords on getting a buy-to-let mortgage, from deposit requirements and rental yield calculations to lender criteria and stress tests.

Understand how lenders stress-test buy-to-let mortgage applications, including interest coverage ratios, pay-rate calculations, and how to improve your chances of approval.

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