you’re in the right place.
Whether you’re a first time buyer getting your own taste of freedom, a proud parent protecting your family, or planning for prosperity in your prime – we’ll support your success, every step of the way.
With a comprehensive range of solutions for almost every aspect of your finances, we’ll provide advice that you really can rely on.
A fresh approach to…
Financial Planning
Regardless of the stage you’re at in life, it’s always busy. There’s always something to be done or some fun to be had, but it all takes time. It’s tricky to keep on top of your finances in general, let alone trying to keep an eye on mortgage rates, new products, financial markets, or tax changes.
But, that’s where we add the value for you and your plans, because we’ve got the time to make sure we’re up to date with all that’s happening, to make sure that we can do our best for you. So, whether it’s the times that are changing or your circumstances changing, you can rest assured that we’re on hand to keep you on the path to financial prosperity.
There’s more information below about the main products and services that we offer, but we’re only a call away if you need to know more.
mortgages
Make Your Mortgage Mean More
First Home • New Home • Holiday Home • Buy to Let • Portfolio • Specialist •
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You could be looking to step onto the property ladder, getting your own place and spreading your wings. You may be looking to move up the ladder, growing into another special place you call home, or you may be looking to make a dream come true with a seaside retreat at home or abroad.
It could be your first investment in property, growing your existing portfolio, or a business investment in commercial premises to take your company to the next level.
All we know is, the opportunities are endless and there’s a lot of choice when it comes to your plans for property. Because, we’re not tied to a small panel and have access to lenders from across the market for residential mortgages, with a range of specialist contacts for more complex enquiries.
We’ll give you our advice and guidance every step of the way, from understanding your options, to making an offer and getting the keys – we’re your personal property professionals.
Your home may be repossessed if you do not keep up repayments on your mortgage. Some Buy-to-let mortgages are not regulated by the Financial Conduct Authority.
insurance
Prepare for the Future, Live for Today
Protect your Home • Protect your Income • Provide for your Family •
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Insurance is the foundation of financial freedom, the peace of mind that tackles the worries and the back-up plan that provides for the people who are most important to you.
What’s the point of striving for success, only to risk it all by ditching off your insurance?
If you buy a lottery ticket, you take a gamble with a bit in the hope of winning a lot. But, when you give up on your insurance, you gamble with a lot in the hope to save a bit.
The right insurance solutions don’t need to break the bank, they need to fit your budget and be well thought through – something that we’ll help you to do. We’ll help you find cover that takes care of your priorities and gives you the value you deserve.
After all, insurance keeps your plans on track and supports your ambitions, so you can focus on pushing forward with the things that make you happy.
equity release
Unlock the Potential in your Property
Boost Retirement • Improve your Home • Enjoy a Holiday • Help your Family •
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You’ve paid your mortgage off, it’s cleared, you’ve done it… a legacy is secured. But at what cost?
Is your lifestyle limited, are holidays on hold, are debts are a drain on the income you have? You may have family who need a helping hand, but they won’t benefit until you’re no longer around.
Well, with an open mind and the right advice, it doesn’t have to be the case.
Equity Release needs serious consideration, but also offers serious solutions – allowing you to access the cash in one of your biggest assets sooner rather than later, so that you’re able to experience the difference it can make to you or your family during your lifetime.
We’re specialists in supporting sensible decisions when it comes to Equity Release solutions. We’ll help you and your family members to understand the benefits, but also the drawbacks – discussing the flexible features and considering the limitations. From us, you can expect a balanced overview of the positives and the pitfalls, and be assured of the best advice when the time is right to bring this opportunity into the mix.
Equity Release/ Lifetime Mortgages/ Home Reversion will reduce the value of your estate and can affect your eligibility for means tested benefits.
investments
Sensible Saving for your Future Plans
Grow your Money • Additional Income • Make your Money Work Harder • Tax-Efficient • Nest Egg •
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Maybe your looking to starting saving or investing and don’t know where to start, or maybe you’re lucky enough to have something set aside and want it to work harder – and that’s where we come in.
We all know a few old sayings, and there are plenty that relate to money… like ‘spend a little, save a little’. It’s hard to argue really. We all work hard and we deserve to get a bit back in return, else what’s the point?
We believe that it’s important to think about the good times in life and making the journey fun along the way. The additional income or growth from your investments can help to provide your with peace of mind for many reasons and many objectives.
With the right advice, you can make sure that your wants and needs are considered, and that you’re putting your money in the most sensible place for your plans.
Whether it’s a new home fund, you’re investing for life’s little adventures or your thinking longer-term and need clarity on the options available – we’ll be here to give you the very best advice and support along the way.
The value of pensions and investments, and the income they produce, can fall as well as rise. You may get back less than you invested.
Get Trusted Advice
Our advice is client-centric, involving you, for you. Exactly how it should be.
Get a Feel for Steadman Hawkes
Not sure how to proceed or if we’re right for you, let’s have a chat and you can find out more…
pensions
Secure your Future by Planning ahead
Retirement Planning • Future Income • Future Plans • Support your Lifestyle • Peace of Mind
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Planning ahead with your pension provisions is so important and something that we believe should start early in life. Who wants to work all their life only to find out that there isn’t enough in the pot to enjoy the time you get later in life?
As you move through life, it’s not always that easy to save a huge amount each month to top up your pension if you’re likely to have a shortfall. Starting to think about retirement earlier can mean that the impact of saving for the future can be easier to manage further down the line.
If you’re thinking about things later in the day, you may need help to understand what your current pension arrangements might mean at retirement and the options you have when you’re ready to take a step back from work.
Whatever your situation, whether it’s starting early, topping up later or deciding on the options you have available at retirement – we’re here to help. With clear, considered and concise advice that puts you in control. We’ll help you to make informed decisions at any stage in your life, so you’ve got a retirement plan that gives you confidence.
The value of pensions and investments, and the income they produce, can fall as well as rise. You may get back less than you invested.
Get Trusted Advice
Our advice is client-centric, involving you, for you. Exactly how it should be.
Get a Feel for Steadman Hawkes
Not sure how to proceed or if we’re right for you, let’s have a chat and you can find out more…
Your home may be repossessed if you do not keep up repayments on your mortgage. Some Buy-to-let mortgages are not regulated by the Financial Conduct Authority. Equity Release/ Lifetime Mortgages/ Home Reversion will reduce the value of your estate and can affect your eligibility for means tested benefits.
The value of pensions and investments, and the income they produce, can fall as well as rise. You may get back less than you invested.
Services that are not regulated by the Financial Conduct Authority include: Will Writing, Trusts, Taxation Advice, Estate Planning, Inheritance Tax Planning, Powers Of Attorney, Holiday Let Mortgages, Some Buy To Let Mortgages, Houses in Multiple Occupation, Bridging Finance, Offshore Mortgages, Commercial Mortgages, Legal Services, Conveyancing, Employee Benefits, and Auto-Enrolment.
Not sure where to start?
1. let's meet for a coffee
First things first, before we start working with any client we like to get to know you better and introduce ourselves. There’s no strings attached, it’s just a catch up to discuss your thoughts and ideas.
2. share your goals & plans
We want to understand where you are now, where you’d like to be and what you want to truly enjoy life. Gaining a genuine understanding of your goals helps us to provide a clearer, achievable recommendation.
3. do your research
It’s not just about us getting to know you, for any relationship to work, it has to work for everyone. You need to trust us with your future plans, so take a look at some of our reviews and see what we are about. Call us for a chat or pop into the office as often as you need to make sure we’re the right fit for you.
4. let's get started
You’ve got to know us, we’ve got to know you, and we’re all on the same page. Once you’re comfortable that we’re just what you’ve been looking for, then the wait is over, it’s time to put the plans into action and start your journey with Steadman Hawkes.
FAQs
Just incase you were wondering…
What will advice cost me?
Charging fees for financial advice helps us to ensure that we can provide you with objective and unbiased recommendations, and that we are able to help you throughout the entire advice process. It establishes a clear value exchange for the expertise, time, and effort that we give you, ultimately building trust and confidence with you.
Our initial meetings are complimentary and there’s no cost to you for getting together. Once we’re clear on how we can help, we’ll explain our fee structure with you so your certain about the cost of our advice and service. If you’re happy with everything, we’ll sign a fee agreement with you and get things moving with your plans.
I know a bit about finance, why should I get advice?
While you might have a good understanding of finance, getting financial advice can still be valuable for a number of reasons. Our advisers can provide an outside perspective, offering specialist knowledge in specific areas, helping you to create a comprehensive financial plan, and guide you through complex situations like buying houses or developing investment strategies. They can also keep you accountable in moving towards your goals and help you make more informed decisions, ultimately contributing to your overall financial well-being and success.
I’m a first time buyer, where do I start with buying a house?
We’d always recommend getting in touch with an adviser early on, so that you can get help to determine your budget and understand how much you can borrow, as well as the various options available for your specific circumstances. It’s worth getting yourself into the best position to move forward, which generally involves planning ahead – checking your credit file, building your deposit, pulling documents together, etc. Once you’ve got an idea of your borrowing potential, then you can look at obtaining a Decision In Principle and moving ahead with property viewings.
Can I borrow money in later life?
Yes, it’s possible to borrow money in later life, but there are certain factors and considerations you should keep in mind. Your adviser can discuss these with you and make sure that your questions are answered.
There a number of different solutions in retirement, from traditional mortgages to equity release. However, it’s important to remember that borrowing money in later life could impact your financial position and legacy, so you should carefully consider your options with an adviser and make sure your comfortable with any decisions before proceeding.
Should I move my existing pensions & investments?
Deciding whether to move your existing pensions and investments depends on various factors such as your financial goals, attitude to risk, current performance, fees, and the potential benefits of any new solutions. It’s recommended to consult a financial adviser who can understand your specific situation and provide personalised advice, which is where we can help.
Can I get my insurance later, I’m healthy at the moment?
While you might be in good health now, it’s still a good idea to consider getting insurance sooner rather than later. Life can be unpredictable, and having insurance can provide financial protection in case of unexpected events or changes. The cost of insurance can also increase as you age or if your health status changes. It’s worth discussing your options with a professional to understand how you can put cover in place to fit your budget, however much that may be. You can always add to your cover as your circumstances change, but you’re unlikely to get insurance once something unforeseen has happened.
make your money matter…
But why choose steadman hawkes?
Deciding to work with a financial adviser is a pivotal decision that can significantly impact your financial position and well-being, so it’s important that you get it right.
From our years in financial services, we’ve proved ourselves to be effective in empowering the lives and finances of our clients, getting to understand what really makes a difference to them and how we can support their progress.
We want Steadman Hawkes to stand as a beacon of excellence and distinction, setting us apart as professionals with a profound commitment to client success and contentment.
Our unique blend of professionalism and personality creates an environment where financial advice is not only practical but also relatable. A combination of expertise and approachability encourages our clients, making complex financial matters clear and achievable. We’ll work to turn clever ideas into actionable steps, allowing you to take charge of your financial future.
The heart of our identity lies in the impact that we can have on lives and finances. Our approach and practices instil trust, building long-term relationships of accountability and integrity. We embrace inclusivity, adjusting our service to ensure that everyone has the opportunity to benefit by working with us.
We pride ourselves on the profound difference we can make. Our dedication to making the journey relaxed, informative, and enriching is what sets us apart as a firm of choice.