Buying a property can be the biggest decision made in our lives. It is for this very reason that impartial advice is critical from qualified advisers.

Quite often you hear ‘it could never happen to me’ or ‘I’ll sort it out later’. Well the old maxim of “failing to plan is planning to fail” is no better suited to the ignoring of crucial decisions on protection.

We can search through a range of policies to find the one that suits you best from our extensive list of insurers. So this year leave the shopping to us, as just one phone call could find the best cover and price for you.


Independent Financial Advice

Diploma for Financial Advisers and CeMAP® Diploma qualified adviser with over 25 years financial planning experience specialising in:

  • Making provision for retirement and options at retirement such as flexible drawdown pensions and annuities 
  • Savings and investments building a tax efficient portfolio using property, equities, bonds, gilts and fixed interest schemes
  • Mortgages and equity release recommendations reflecting the latest lender criteria and affordability guidance. Ask for a personal illustration tailored to your requirements. Your home is at risk if you do not maintain payments on a mortgage or other loan secured on the property.

We'll help secure the most appropriate solution based on your personal circumstances and objectives. We'll offer quotes and guidance tailored to your requirements.

The firm is directly authorised by The Financial Conduct Authority which means we are able to use any authorised lender or insurer. Therefore we are not restricted to a specific lender or insurance panel.

Under no circumstances should any of the information contained within the article /website be construed as "advice". You should seek professional advice in respect of your own circumstance.

The Financial Conduct Authority do not regulate certain types of Buy to let mortgage, and commercial mortgages.

The FCA do not regulate tax advice


We offer no obligation quotes and guidance on the most appropriate pension, investment or mortgage tailored to your specific requirements.

Independent Financial Advice

Steve Heathcote

Steve Heathcote is CeMAP® Diploma and Diploma for Financial Advisers (DipFA) qualified and has gained over 25 years financial services experience helping clients achieve their mortgage, pension and investment goals cost efficiently. Steve is working towards Chartered status.

No obligation quotes and guidance from Advanced CeMAP® and Diploma for Financial Advisers (DipFA) qualified representative

We'll help you review your plan  charges, performance, features and benefits

Contact Us


Contact us to discuss your retirement, investment portfolio, mortgage and equity release requirements with a CeMAP® Diploma and Diploma for Financial Advisers certified consultant.

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We use a number of sourcing systems to ensure we secure the most appropriate protection package to meet your requirements. Our recommendations often include short, medium and long term income protection, critical illness cover, family and mortgage protection, estate planning, key person insurance and private medical insurance.

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Insuring our home and belongings is almost second nature to most of us now.

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