HMO Mortgages from Harvey Bowes – Expert Mortgage Brokers


Cardiff Pin Meeting 8th October 2013

The next Cardiff PIN meeting is likely to be a busy one! We have two great speakers delivering very topical subjects. What is the Cardiff PIN Meeting? It is a networking event designed to help both seasoned and new landlords as a support and educational environment.

Are next speakers are:

Connecting sellers & Buyers using Rent to Buy/Sell Solutions – Stewart Hale

An engaging insight into one of the longest standing sites solely focussed on Rent to Buy and Rent to Sell Strategies.
A cradle to grave process that will allow investors and property individuals to understand how to generate income from these solutions in today’s climate.
An exciting opportunity for investors to discover how to move difficult or underperforming properties in their own portfolios.
A complete walkthrough of how Stewart Hale became involved in Lease Options and the brands developed top make a success along with real deal examples and unique strategies.


DSC_9590ALSO…Multiply your Wealth by Developing your Investments – Gordon Glass

Most investors develop an instinct for what type of investments fit their criteria for the return they seek. They follow a specific strategy. In the process they tend to overlook other opportunities that do not appear similar or that need a different approach. Spotting and utilising development potential is one such strategy that requires a different mindset from normal investing. Understanding and using the different approach can reap dramatically higher returns.
Gordon Glass has spent 40 years as a developer, improving houses, restoring historic estates and converting houses into flats and apartments. He prefers to work mainly through joint venture partnerships. In the recent downturn, Gordon and his wife Ann have focused on building an investment portfolio of houses to let, using techniques taught by Simon Zutshi.
In his presentations, Gordon Glass will give examples of how a developer’s mindset can dramatically improve both short and long term returns for investors. He will highlight the differences in approach between developing and investing and give some insights into why now is exactly the right time in the economic cycle to consider developing – your mindset, your methods and your money.
You are likely to leave Gordon’s seminar with a very different approach to investment: it is most likely that you will have developed your understanding of investment.


This is a great event for those who are property investors – and those who are interested in property investment. You can meet like mined people, make great contacts and get top tips to help on your investment journey.


How do you book for the Cardiff PIN Meeting?

Simply go the Cardiff PIN page. If you are new to Cardiff PIN you are most welcome to visit. In fact, we’d like to invite you to come along as our guest. When you register, click to say you have a voucher code and enter my surname “BOWES” – this will register you as my guest. Go to

Cardiff October 2013 Meeting

Date: Tuesday 8th October 2013
Time: 6:00pm – 7:00pm Networking & Registration 7:00pm – 9:00pm Meeting
Venue: Park Inn by Radisson Cardiff North Hotel Circle Way East Llanedeyrn Cardiff CF23 9XF Wales


The Housing Market – getting back on track

After a number of years in a turbulent economic climate, we are starting to see signs of recovery in the housing and mortgage market. According to figures from the Council of Mortgage Lenders, total mortgage lending in July this year has increased by 29% compared to the same period last year. This is great news, showing signs that the market is strengthening.

One particular area which has seen large growth is mortgage loans to first time buyers. This has reached a 5 and a half year high this year, hitting 25,000 mortgages to those buying their first home in May. This was a 42% increase on the year before.

What does this all mean for you? As the market continues to grow, home owners and landlords are reaping the benefits. Mortgages currently have competitive interest rates, so if you are looking to change your mortgage or buy a new home, you could save money on your mortgage payments. A recent survey from Halifax has shown that mortgage rnew purchase mortgages and first time buyersepayments are the most affordable they have been for 14 years. Mortgage payments now represent 27% of the average income compared to 48% in 2007.

The number of mortgage products available has also increased to over 10,000 for the first time in 5 years. This means there is much more choice. At Harvey Bowes Mortgages, we can take the hassle out of finding a mortgage and can help find the best deal for you. We are able to provide a full advice service and guide you through all the options available. There are many things to take into consideration when taking out a mortgage such as general insurance and protection; thankfully we all offer a full service in insurance and protection so why not contact us today? 



                                    Your home may be repossessed if you do not keep up repayments on your mortgage.