We help Brighton and Hove residents bring structure to financial flexibility: reviewing pensions, securing mortgages, and protecting families with advice that fits their real lives. Our services are designed for clarity, efficiency, and to simplify the complex financial landscape.
From Victorian terraces to new-build flats, our whole-of-market advice secures the best deal. We specialise in helping first-time buyers and clients with complex incomes like freelancers and contractors.
We'll trace, review, and consolidate old pension schemes that often result from Brighton’s diverse income sources. We design tax-efficient retirement strategies tailored to your life.
Safeguarding the things you cherish is paramount. We recommend policies like life insurance, income protection, and critical illness cover aligned to your family’s responsibilities and local cost of living.
We help you invest with confidence. Our advisers design balanced, ethical, and growth-oriented portfolios that fit your risk comfort and financial objectives, including sustainable (ESG) options.
What our clients are saying about us. Read more reviews on Google.
"After 40 successful years in business the Covid shutdown was sending us under the hooves of a very large horse. I knew after my first conversation with Ashley that I had gone to the right man. Never in business history has a financial matter been so smooth and painless."
John M.
★★★★★
"Excellent service and without True Advice’s knowledge and expertise I would not have resolved a tricky financial situation I was in. Would 100% recommend."
Nigel P.
★★★★★
Brighton has its own financial rhythm—a creative city where freelancers, digital professionals, and retirees all share the same skyline. Our family-run firm, based in Brighton & Hove, offers fully independent and FCA-regulated advice to help you simplify complex finances and make clear, confident decisions.
Brighton’s lifestyle often means diverse income sources, which can lead to scattered pension pots. We trace, review, and consolidate old schemes to cut unnecessary fees and design a tax-efficient retirement income strategy tailored to your pace of life. We also review drawdown sustainability and update investment allocations for those already drawing income.
Example: A Hove client merged three separate pensions, lowering fees and freeing up additional funds for coastal property improvements.
Brighton’s housing market is varied and competitive, covering everything from Victorian terraces in Hove to new-build flats near the Marina. We work with lenders who understand complex income patterns, guiding first-time buyers and helping landlords manage or expand local property portfolios. We also proactively review existing mortgages to find opportunities to remortgage or fix rates before renewals.
Coastal living encourages a long-term perspective—we help you invest with confidence. Our advisers design portfolios that fit your risk comfort and objectives. We specialise in integrating Ethical (ESG) funds and green investment options for clients who value sustainability without compromising on diversification.
We believe true wealth includes peace of mind. We recommend life insurance, income protection, and critical illness policies that are aligned to Brighton’s cost of living and your family's specific needs. We also help small businesses and freelancers secure reliable business protection to safeguard income during downtime.
As a family-run firm based in Brighton & Hove, we leverage local knowledge and over 40 years of experience to deliver bespoke solutions. Our advisers regularly meet clients across Brighton Marina, The Lanes, Hove Park, and Rottingdean. We understand the local economy, including freelance income patterns, remote work lifestyles, and coastal property factors like higher insurance and maintenance costs.
Case Study – Creative Freelancer Mortgage Success: A 34-year-old graphic designer in Kemp Town had irregular freelance income leading to lender refusals. True Advice structured a provable income summary across two tax years, secured a 90% LTV mortgage, and added income protection to safeguard repayments.
We want to take care of you from day one, to the end of your process with consistent communication along the way. Contact us today to discuss your needs and see how we can service you further.
Equity Release plans are not right for everyone. And it is important that you fully consider your options and receive independent financial advice before making a decision. It is also important that, if you do decide to use an equity release product, you choose one that meets your needs.
Remember that taking an equity release plan is generally a long term option. However, there are flexible plans available that may fit your varying needs and some will allow you to repay in the future without penalties.
All investments involve a degree of risk of some kind. This section describes some of the risks which could be relevant to the services we provide you. We may provide further risk information during the course of our services to you, as appropriate.
Our services relate to certain investments whose prices are dependant on fluctuations in the financial markets outside our control. Investments and the income from them may go down as well as up and you may get back less than the amount you invested. Past performance is not a guide to future performance.
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 FCA.
True Advice Financial Services is a trading style of TA and SE Hollom Ltd (FCA 461206) which is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority : Number 460421.
Registered Office : New Leaf Distribution Limited, 165 - 167 High Street, Rayleigh, Essex, SS6 7QA.
As an Appointed Representative of New Leaf Distribution Limited, we aim to provide you with a high standard of service. If you are unhappy with any aspect of our service, please let us know.
We will acknowledge your complaint promptly and aim to resolve it within 8 weeks.
If you remain dissatisfied, you have the right to refer your complaint to the Financial Ombudsman Service (FOS):