Philip Owen – Mortgage and Protection Broker, Lichfield, Staffordshire

Philip Owen is a mortgage broker at Blueberry (Midlands) Limited, providing structured and practical advice across a wide range of property finance and protection needs. His approach is centred on clear communication, careful assessment, and ensuring each recommendation is aligned with the client’s financial position and long-term plans.

He supports individuals, homeowners, and property investors with residential mortgages, buy-to-let lending, HMO finance, limited company mortgages, bridging finance, protection, and general insurance. Advice is delivered in line with current UK regulatory standards and tailored to each client’s circumstances.

Mortgage Advice Across the UK

Selecting a mortgage broker requires working with someone who takes the time to understand your full financial profile. Philip supports clients purchasing their first home, refinancing existing borrowing, or expanding property portfolios.

Each case is reviewed individually, taking into account income, expenditure, credit history, and property type. Where appropriate, options from a broad panel of lenders are considered to identify suitable, competitive solutions that meet affordability and lender criteria.

How Advice Is Delivered

Every mortgage journey begins with a detailed fact find to ensure recommendations are appropriate and sustainable.

The process includes:

• Reviewing income, expenditure, and financial commitments
• Explaining mortgage types and repayment structures
• Outlining lender criteria and associated costs
• Supporting communication with lenders and relevant parties

Clients receive clear, straightforward explanations, helping them make informed decisions without unnecessary complexity.

Areas of Expertise

Philip Owen provides advice in the following areas:

Residential Mortgages
Support for first-time buyers, home movers, and those purchasing a main residence.

Buy-to-Let and HMO Mortgages
Guidance for landlords acquiring or refinancing investment properties, including more complex HMO cases.

Limited Company Mortgages
Advice for property purchases and refinancing through limited company structures, subject to lender criteria.

Bridging Finance
Short-term lending options designed for time-sensitive purchases or transitional property arrangements.

Protection and General Insurance
Advice on protecting income, property, and financial commitments where appropriate.

Supporting a Range of Client Circumstances

Philip works with a wide range of client situations, including:

• First-time buyers entering the property market
• Landlords building or restructuring portfolios
• Self-employed applicants with variable income
• Clients requiring specialist or short-term lending

Each application is assessed on its own merits. Approval is subject to lender assessment and affordability checks.

Mortgage Broker in Lichfield, Philip, works with clients across Staffordshire. Advice can also be delivered remotely where appropriate, allowing flexibility for clients with busy schedules.

• Stoke-on-Trent
• Stafford
• Newcastle-under-Lyme
• Burton upon Trent
• Tamworth
• Cannock

Speak to Philip Owen

If you require clear, structured mortgage advice, Philip Owen offers a straightforward approach to help you understand your options and make informed financial decisions.