UK Independent. Sourced. Primary. · Est. 2024

Towan Insurance Brokers Limited | Mortgage Brokers | Newquay | Est. 2008

Towan Insurance Brokers Limited is a mortgage brokers registered in Newquay, established 2008. View company details, send a free enquiry and verify FCA status. Kaeltripton Financial Index.

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Towan Insurance Brokers Limited

Mortgage Brokers · Newquay, Truro · Est. 2008

18 years
Active Trading
Active
CH Status
1,116
Monthly Views
7
Enquiries

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Company Registration Details

Registered company nameTowan Insurance Brokers Limited
Companies House number06777733 →
Company typePrivate Limited Company (Ltd)
Registered addressMor Workspace Treloggan Lane, TR7 2FP
City / RegionNewquay, Truro
Date incorporated2008
Years trading18 years
CH statusActive
SpecialismRecorded activity: 65120, 66220 (activities of insurance agents and brokers)
Index statusClaim this listing →

About Towan Insurance Brokers Limited

Founded in 2008, Towan Insurance Brokers Limited has been active for 18 years — a period that spans significant change in the UK financial services landscape, including post-financial crisis regulatory reform, digital transformation and the economic disruption of recent years. The firm's continued active status through this period reflects operational stability.

The Kaeltripton Financial Index records 5754 mortgage brokers nationally, 5 of them in Truro.

Always confirm current authorisation on the FCA register before proceeding; it also records past regulatory action.

What Mortgage Brokers Do

A broker translates your financial position into a lender match, handling product selection and the application itself. Some firms search the entire market; others operate from a lender panel, which must be disclosed before advice is given.

Away from vanilla purchases, lender appetite varies widely, and matching case to lender is the skill being bought.

How to Choose the Right Mortgage Broker

Borrowers with straightforward employment and clean credit have the widest choice of firms; complex cases benefit from specialists. A short scoping call establishes lender access, typical turnaround and whether the firm has an appetite for your case.

FCA rules require the fee model, lender-paid, client-paid or both, to be set out before advice proceeds.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?
Direct applications are always possible but confine you to one lender's range. An intermediary compares products across many lenders at once, which tends to matter most where circumstances are non-standard: self-employment, credit history issues or unusual property.
How much does a mortgage broker charge?
Charging varies: lender-paid only, a flat client fee, or a percentage on complex cases. FCA rules require the model and amount to be set out upfront, so ask for it in writing at the first conversation.
What documents do I need to provide to a mortgage broker?
Expect to provide identity and address proof, recent bank statements, payslips or accounts if self-employed, details of existing credit commitments, and information on the property. The firm will confirm the exact list for your lender.
How long does the mortgage process take when using a broker?
Timescales depend on the lender and case complexity: a few weeks for standard residential, longer for specialist or commercial. Ask the firm for a realistic estimate for your specific case.
Can a mortgage broker help if I have been declined by a lender?
Yes, and this is where criteria knowledge earns its fee: lenders differ sharply on credit history, income types and property construction, and a decline at one lender often converts to an approval at another with the right placement.

Other Mortgage Brokers in Newquay

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Important notice: Data on this page comes from the public Companies House register. Kaeltripton.com is an independent directory service, unaffiliated with Towan Insurance Brokers Limited or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

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