About Sterling Financial Consultancy Ltd

At Sterling Financial Consultancy Ltd, we take away the frustrations of financial planning. From our approachable, friendly team of professional advisers, we offer both personal attention and over 60 years of combined experience to meet all your financial goals.

Our Services

We provide a wide range of services whether you are looking to build, grow, protect or preserve your wealth.

The range of services include:

  • Pensions
  • Investments and Savings
  • Inheritance Tax Planning
  • Wills, Trust and Estate Planning
  • Mortgages
  • Equity Release
  • Residential
  • Buy to Let
  • Remortgages
  • Commercial / Bridging / Second Charge Mortgages

Meet the Team

Keith Harvey DipFA CeMAP ERC
Independent Financial Adviser

Mobile: 07836 700494

I have been working in the financial services industry for over 30 years and have the knowledge and experience that you need to be confident that you are in safe hands.

My expertise covers the broad spectrum of financial planning and will help you or your business to:

  • Release equity from your home
  • Grow wealth, specifically through our distinctive approach to investment management
  • Preserve assets for long-term financial security
Claire Milner BA Hons
IFA Administrator

Claire (B.A Hons) commenced her career with Sterling Financial Consultancy Ltd in 2024 following on from her successful career in teaching in Mathematics, Business Studies and the syllabus of the London Institute of Banking and Finance (LIBF). She brings with her a wealth of experience in organisation, client relationships and providing overall administration of the practice. Her responsibilities include all administration, client service quality, along with business submission and drafting key reports to clients.

Pensions

We all know it's important to plan for retirement, but many of us are still not planning well enough. Despite all the media headlines and Government initiatives, many of us still have a 'tomorrow will do' attitude. This is worrying for one simple reason - we are going to live longer than most of us think.

We provide Pension advice on the following:

  • Self Invested Personal Pensions (SIPPs)
  • Personal Pensions
  • Pension Switches
  • Income Drawdown

Risk Warnings

Investments within Pensions

Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets beyond our control. Investments and the income from them may go down as well as up and you may get back less than the amount invested. Past performance is not a guide to future performance.

Investments

Investing should be to meet your goals. Your planned expenditure and some emergency cash should always be ring-fenced so that investments don't need to be accessed.

Perhaps the most important aspect in determining how to invest to decide on the mix and proportion of equities (shares), fixed income securities (government and corporate bonds), cash, commercial property and other assets that will be held. Academic research suggests that this process, called 'asset allocation', is the key to successful investing and that stock picking and trying to time the market are much less relevant in the longer term.

We provide Investment advice on the following:

  • Individual Savings Accounts (ISA's)
  • Investment Bonds
  • General Investment Accounts
  • Inheritance Tax Planning

Risk Warnings

Investments

Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets beyond our control. Investments and the income from them may go down as well as up and you may get back less than the amount invested. Past performance is not a guide to future performance.

Mortgages

Repayment, Interest Only, Fixed, Discounted, Tracker?

The list of options seems endless, and it can often prove difficult or confusing for borrowers when trying to reach the right conclusions.

This is where a competent & experienced Mortgage Adviser can help smooth the path to finding the right solution for you.

We use sophisticated mortgage sourcing products, combined with a full appreciation of our clients requirements and current market conditions. We provide mortgage solutions from the whole of the market. This includes both 'Intermediary' and 'direct to lender' deals.

We provide Mortgage advice on the following:

  • Purchases
  • Remortgages
  • First Time Buyers
  • Buy to Let

Risk Warnings

Residential Mortgages

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE

Buy to Let Mortgages

Some Buy to Let mortgages are not regulated by the Financial Conduct Authority

Equity Release

Equity Release refers to a range of products that let you access the equity (cash) tied up in your home if you are over the age of 55.

You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both.

We provide Equity Release advice on the following:

  • Lifetime Mortgages
  • Home Reversion

Risk Warnings

Equity Release

Equity Release plans are not right for everyone. If you are unsure about which product is right for you, you should seek advice from a qualified Equity Release adviser and ask for a personalised illustration.

Commercial Finance

We are members of the NACFB with access to over 140 commercial lenders and can help business owners and investors secure suitable funding lines.

We provide Commercial Finance advice on the following:

  • Buy to Let Property Investment
  • Portfolio Funding
  • Development Finance
  • Asset Finance
  • Business Cash Advance
  • Commercial Mortgages
  • Crowd and Peer to Peer Lending
  • Bridging Finance

Risk Warnings

Commercial Finance

Commercial Finance is not regulated by the Financial Conduct Authority

Protection

If you have anyone financially dependent on you, such as a partner, sibling, children or even an aging parent, then Life Insurance is for you. People take out life insurance policies to ensure that, if they die, their loved ones are looked after. Life insurance can help with paying off debts, household bills, childcare costs and account for your mortgage payments.

We have access to large range of providers offering Defaqto 5-star rated cover.

We provide Protection advice on the following:

  • Life Assurance
  • Critical Illness Cover
  • Permanent Health Insurance
  • Private Medical Insurance

Location Map

Contact Form

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Contact Information

Sterling Financial Consultancy Ltd
Garfield House
165-167 High Street
Rayleigh
Essex
SS6 7QA

Mobile : 07836 700494

Email : Please use the Contact Form

Regulatory Statements

Sterling Financial Consultancy Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority : FCA number 460421
Registered Office : 165 - 167 High Street, Rayleigh, Essex SS6 7QA

This website is aimed at UK residents only.