Howard Thomas has unrivalled experience in sourcing and supplying products and services for the personal and owner-managed business markets.

Born into a family of retailers, Howard has always put customer satisfaction first. With a degree in economics he started his working life in supermarketing before moving to building societies. Having developed strong branch businesses against heavyweight competition he quickly progressed to a senior management role where he was responsible for the design and delivery of several innovative financial products. Many of these were adopted by scores of building societies and ultimately used by millions of consumers.

Now a Fellow of the Chartered Institute of Bankers, in 1991, in the depths of a recession, Howard opened the franchised Derby office of the country’s largest commercial finance brokerage. Again he built up a strong following within the professional community and helped well over a thousand businesses to find finance.

With a very strong understanding of the difficulties facing the owner-managed business, Howard now uses his vast range of professional contacts to help business owners find the speedy solutions to their own particular challenge.

Howard has a certificate in mortgage advice and planning and for the consumer looking for personal finance, or a mortgage, his experience and network of contacts can provide an effective and competitive solution.