Mowbray knows he may have to be creative as he attempts to strengthen for a second-half push.
He told the club's official website: "There have to be changes. The team needs freshening up as well and I think the supporters will welcome some exciting new talent.
"We have to try to find it, but where do you go and get it? That's the question I'm constantly asking myself.
"We can't afford Premier League players. We could go and get 18-year-olds, but you are really gambling with kids. You can buy from Championship clubs, but no-one gives you players for cheap.
"The market might be abroad, but it might have to be loans because you don't want to commit to foreign players. As we have seen with one or two here, the transition is difficult at times."