Independent advice, made clear
Clear advice for your money, your home and your future
From retirement planning, savings and investments, and inheritance tax planning to mortgages, equity release, protection and specialist property finance — Heathcote Financial Planning brings everything together in one place.
- FCA regulated
- Chartered & independent
- 3,000+ clients helped
- Read our Google reviews
Why Heathcote Financial Planning
Clear advice, with the full picture considered
Financial decisions rarely sit in isolation. Your retirement, investments, protection, inheritance plans and property decisions can all affect one another.
Heathcote Financial Planning helps you understand your options, how they connect and what your next step could be — without jargon or pressure.
Everything considered together
We look beyond one product or transaction so you can see how each decision could affect your wider plans.
Clear, personal explanations
We explain the options, costs, risks and practical implications in plain English before you decide what to do.
Independent advice
Advice based on your circumstances and objectives, with access to solutions from across the market where appropriate.
More than 25 years’ experience
Experienced support for financial planning, mortgages, equity release and specialist property-finance decisions.
Start with what matters to you
What are you trying to work out?
Choose the question that feels closest to where you are now. Each route takes you to clear information about the relevant advice.
Can I retire with confidence?
Understand your pensions, likely income and retirement choices before making an important decision.
Retirement planningIs my money working well?
Give your savings and investments a clearer purpose, based on your goals, timeframe and attitude to risk.
Savings and investmentsShould I use the value in my home?
Explore equity release, later-life lending and the alternatives before deciding whether any route is suitable.
Equity releaseIs my family financially protected?
Review protection for your income, mortgage, family and plans if illness, death or another unexpected event occurs.
Protection planningHow should I plan what I leave behind?
Consider inheritance tax and passing on wealth as part of your wider financial plan, alongside appropriate legal advice.
Inheritance and estate planningCan I get the right mortgage?
Compare suitable borrowing options and receive support from the first conversation through to completion.
Independent mortgage adviceIs my property finance more complex?
Find a clearer route for specialist borrowing, including self-employed, landlord, limited-company and bridging cases.
Specialist property financeA straightforward place to start
This is for you if…
You want to understand the full picture before making an important financial or property decision.
- You are not sure which service or type of advice you need.
- You want connected advice rather than an isolated product recommendation.
- You want your options, costs and risks explained in plain English.
- You want advice that considers your finances, property and wider plans together.
Clarity on where you stand
We start with your circumstances, priorities and the decision that brought you to Heathcote Financial Planning.
A clearer view of your options
We explain which areas may need attention and how the relevant financial or property decisions may connect.
A sensible next step
You will know whether Heathcote Financial Planning can help, what may happen next and when any fees would apply.
Your first conversation is free, takes around 20 minutes and comes with no obligation.
Book an initial conversationThat future is possible. The decisions you make today can help shape what happens next.
Meet Steve Heathcote, your adviser
Before we talk about money, let’s talk about you.
Important decisions about retirement, investments, protection, inheritance and property rarely exist in isolation.
We start by understanding where you are now, what matters to you and what you are trying to achieve. Heathcote Financial Planning then explains your options clearly and helps you decide what should happen next.
“You do not need to have it figured out before you call. That is what the conversation is for.”
We begin with your circumstances, priorities and concerns.
We explain the routes, implications, costs and relevant risks.
You decide what happens next, without pressure or obligation.
Your first conversation is free, takes around 20 minutes and comes with no obligation.
Client feedback
What clients say about us
Real five-star feedback from clients who came to us for clear, personal financial and mortgage advice.
Karen
“Exceptional service, trustworthy advice and highly personalised financial guidance.”
Read full review
Their expertise, professionalism, and dedication have been invaluable in helping us manage existing pensions, liaise with previous workplace pension trustees, and ensure we always achieve the best possible financial outcomes.
We would highly recommend Heathcote Chartered Financial Planning to anyone seeking trustworthy, knowledgeable, and highly personalised financial advice.
View on Google
Katie
“Our pensions made more money in two months than in twenty years.”
Read full review
The introduction and requests required were efficiently and painlessly dealt with in a friendly and understandable manner.
Our numerous pensions have both been resolved also and already made more money in two months than they had in twenty years.
View on Google
Gary
“Great pensions advice clarifying my retirement options.”
Read full review
Given the wide range of options and providers available, I found it extremely helpful talking to an independent whole-of-market financial adviser.
View on Google
Lucy
“Steve worked exceptionally hard to find me a lender who would approve my mortgage.”
Read full review
Recommended by a friend, I was glad to find Steve friendly and professional. I will certainly be a returning client in the future. I am most grateful. Thank you!
View on Google
Shyam
“A safe pair of hands for pension advice.”
Read full review
My funds have been growing steadily with regular updates on opportunities and risks from Steve.
I think he has been a safe pair of hands for me.
View on Google
Maria
“Whole-of-market financial advice tailored to our needs.”
Read full review
He always found time to keep us informed on how the application progressed, and we would highly recommend him to friends and family.
View on Google
Jason
“Clear and impartial advice on mortgages and financial matters.”
Read full review
I would certainly recommend his services to friends and family.
View on Google
Miranda
“He secured a mortgage below the rates available online in less than 24 hours.”
Read full review
His communication is brilliant and he made the whole process extremely straightforward.
View on Google
Sina
“Quick responses and good knowledge of the products they offer.”
Read full review
View on Google
Sandra
“Steve helped us find lending into retirement when we needed it most.”
Read full review
Great product knowledge and excellent customer service. Highly recommend. Without Stephen’s help, I do not know what would have happened.
View on Google
Helen
“Steve found us a mortgage straight away.”
Read full review
He found us a mortgage straight away. Steve’s knowledge and experience is at a different level. We are so grateful to him.
View on Trustpilot
Reg
“Stephen’s expertise and proactive approach made every stage feel clear and well managed.”
Read full review
From the outset, Stephen took the time to explain my options and was always available to answer questions. His depth of knowledge was evident throughout, and he combined this with a forward-thinking view.
I would highly recommend Stephen and very much look forward to continuing to work with him in the future!
View on Google
A straightforward first conversation
What happens when you get in touch
You do not need to know exactly which service you need or have everything worked out before contacting us. Start by telling us what is happening and what matters to you.
We listen
Tell us about your circumstances, priorities and any financial or property decisions you are considering. No preparation is needed.
We explain
We explain the relevant options, how different decisions may connect, and any important costs, risks or practical considerations.
You decide
You choose what happens next, in your own time. There is no pressure and no obligation to proceed.
A clear next step
One conversation could make your next decision clearer.
Whether you are planning for retirement, investing for the future, protecting your family, passing on wealth, arranging a mortgage, considering equity release or exploring specialist property finance, you do not need to work everything out alone.
Your first conversation is free, takes around 20 minutes and comes with no obligation.
We usually reply within a few hours during normal office hours.
Questions you may have
A few straightforward answers about the first conversation, our advice and what happens next.
Is the initial conversation free?
Yes. The initial conversation is free, normally takes around 20 minutes and comes with no obligation to proceed.
Do I need to know which service I need?
No. Start by explaining what you are trying to achieve or what is concerning you. We can then help identify which type of advice may be relevant.
Will I be pressured into taking a product?
No. The first conversation is about understanding your circumstances and explaining whether and how Heathcote Financial Planning may be able to help.
Are you independent?
Heathcote Financial Planning provides independent financial advice. The scope of any mortgage or property-finance service will be explained before you proceed.
How much will advice cost?
The cost depends on the service and complexity of the work. Any applicable fees will be explained clearly before paid work begins.
What happens after the first conversation?
If we can help, we will explain the likely next steps, information required, expected timescale and costs. You can then decide whether you would like to continue.