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Coronavirus COVID 19. At Pacific Financial we like to work closely with our customers to ensure we can help to meet their needs. Part of that is always being available to see them. Unfortunately, the latest government advice on coronavirus means we won’t be able to offer face to face meetings for the time being, and our office will be closed to visitors. However, many successful brokerages already work remotely and we will continue to offer the highest quality advice and service using the technology at our disposal, whether that’s a phone call, messaging apps or virtual face to face meetings using Facetime or Skype. If you have any queries, please do not hesitate to get in touch.

CALL US ON 01282 420334


Finding the correct mortgage broker and a mortgage solution that’s right for you is never easy, especially with hundreds of different schemes available from many different lenders.

Pacific Financial, saving you time and money...

Finding the correct mortgage broker and a mortgage solution that’s right for you is never easy, especially with hundreds of different schemes available from many different lenders.

For simple, unbiased advice you have come to the right place.

At Pacific Financial Services (North West) Ltd, we work for you and not the lenders. We are independent mortgage brokers who access the whole of the market – not just a small panel of lenders.We understand what lending criteria is needed and use our experience to find the one that suits you and your requirements.

Expert help for…

First Time Buyers

When looking for a first time buyer mortgage to buy your first home it’s important to deal with someone who is properly qualified to advise – and they
will make sure you choose the most suitable mortgage to meet your current needs and circumstances.

Experts in…


People remortgage for all sorts of reasons. The most common are to reduce monthly payments by switching to a lower interest rate or consolidating debts such as loans and credit cards.

Expert guidance for…

Buying a home

Buying a home is without doubt one of the most stressful things to do, but when you know what to do, how to do it and when, the process can be made much simpler.

Simple advice for…

Buy To Let

Maybe you’ve thought about becoming a landlord and renting out property but didn’t know where to start. Well let Pacific Financial help – it may be easier than you think.

Who are we and what do we do?…

About Pacific Financial

Pacific Financial Services (North West) Ltd is run by Adam Howarth, a mortgage and protection specialist with more than 20 years’ experience in the industry…

Call us today on 01282 420334 and let's see if we can save you money...

What do people think?

    review rating 5  Highly recommend Adam at Pacific. We have used Pacific twice now and have always received a great service – communication is excellent and our application process has been smooth and made much easier by Adams knowledge, help and advice. Wouldn’t hesitate to use their services again if ever required.

    thumb Jo Lewis

    review rating 5  Went to Adam to help me source a good mortgage deal – he made the whole process simple and definitely saved me money – and as importantly time. The whole process was very much stress free and I’d happily recommend Pacific to anyone.

    thumb Jonas Brown

    review rating 5  After securing us a great deal just over 2 years ago for our home, Adam has just sorted us a fantastic remortgage deal. He really knows the market and finds the best deals to suit individual needs. Wouldn’t go anywhere else for our financial affairs. Highly recommend, great guy! Thanks Adam

    thumb Tricia Whyte

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