Frankie Bowers – Mortgage Broker at Planet Mortgages Group Ltd

Frankie Bowers is a mortgage broker at Planet Mortgages Group Ltd, providing advice across a wide range of property finance solutions. Frankie supports individuals, landlords, and business clients who require structured, responsible mortgage guidance tailored to their personal and financial circumstances.

The firm offers advice on residential mortgages, buy-to-let, HMOs, limited company mortgages, commercial finance, bridging finance, second-charge mortgages, and general insurance. All recommendations are made in line with current UK regulatory standards and lending criteria.

Mortgage advice is tailored to your needs, focusing on suitability, affordability and your long-term financial position.

Mortgage Advice and Client Approach

When searching for a mortgage broker, it is important to work with an adviser who takes the time to understand your full financial situation. Frankie works with clients purchasing their first home, moving property, refinancing existing borrowing or expanding a property portfolio.

Advice is based on a detailed assessment of income, expenditure, credit profile and future plans. Where appropriate, options from a panel of lenders are considered to identify suitable, competitive solutions.

Each case is assessed individually, and outcomes are always subject to lender approval.

How Mortgage Advice Is Delivered

Every mortgage journey begins with a structured fact find to ensure recommendations are appropriate and aligned with your circumstances.

The process includes:

• Reviewing income, commitments and credit history
• Explaining mortgage types and repayment options
• Outlining lender criteria and associated costs
• Supporting communication with lenders and relevant parties

Clear explanations are provided throughout, allowing clients to make informed decisions without unnecessary complexity.

Areas of Advice

Frankie Bowers provides advice across the following areas:

Residential Mortgages
Support for first-time buyers, home movers and those purchasing a main residence, with recommendations based on affordability and lender requirements.

Remortgages and Second Charge Mortgages
Advice for homeowners reviewing existing arrangements or considering additional borrowing, subject to eligibility and lender criteria.

Buy-to-Let and HMO Mortgages
Guidance for landlords purchasing or refinancing rental properties, including HMO investments. Tax treatment depends on individual circumstances and may change.

Limited Company Mortgages
Support for landlords purchasing through a limited company structure, subject to lender criteria and underwriting.

Commercial Finance
Funding solutions for business premises and mixed-use properties, tailored to the needs of business clients.

Bridging Finance
Short-term lending options are often used for time-sensitive transactions or property refurbishment projects.

General Insurance
Advice on insurance products designed to protect property, income and financial commitments.

Supporting a Range of Client Circumstances

Frankie works with a broad range of clients, including:

• First-time buyers entering the property market
• Self-employed applicants with variable income
• Landlords expanding or restructuring portfolios
• Homeowners reviewing existing mortgage arrangements

Each case is assessed on its own merits. Approval is subject to lender assessment and individual eligibility.

Location and Availability

Frankie is a Mortgage Broker in Colchester and supports clients locally and nationwide. Advice can be provided remotely where appropriate.

• Clacton-on-Sea
• Braintree
• Witham
• Chelmsford
• Maldon
• Harwich
• Wivenhoe

Speak to Frankie Bowers

If you require mortgage advice, you can arrange an initial discussion to explore your circumstances and objectives. The aim is to provide clear, structured information so you can decide what is suitable for your situation.

Mortgage advice should always be based on affordability, suitability and your long-term financial goals.