Financial Advice Horsham

Independent Guidance for Families, Entrepreneurs, and Professionals in West Sussex

Horsham sits between the South Downs and London's commuter routes, offering a mix of rural calm and career opportunity. Families here value stability, professionals are planning their next steps, and local business owners want to grow with confidence.

At True Advice Financial Services, we provide independent financial advice in Horsham that helps you make informed decisions about your home, savings and future plans. Our advisers work with clients across Southwater, Broadbridge Heath, Warnham, Billingshurst and Cowfold, offering clear guidance on mortgages, pensions, investments and protection.

Our experience in financial planning comes with a genuine understanding of West Sussex life, where steady growth and a strong community shape long-term success.

Book a free consultation Call 01342 324 171 now

How We Work with Horsham Clients

When you contact True Advice, you'll speak with a local adviser who listens first. We start by understanding your priorities and what financial stability means to you. From there, we create a personalised plan that connects your home, income and future goals, backed by fully independent, FCA-regulated advice.

We regularly help Horsham clients to:

Buy or remortgage family homes with confidence

Review and simplify multiple pensions

Build sustainable investment portfolios

Protect income and loved ones through reliable insurance planning

Our clients in Horsham tend to value advice that's practical, not sales-driven, and that's exactly what we deliver.

Our Financial Advice Services in Horsham

Expert, independent guidance for families, entrepreneurs, and professionals who value practical financial planning.

Mortgage Advice Horsham

Our mortgage advice helps Horsham buyers and movers, from Broadbridge Heath to Southwater, secure flexible lending that suits their homes and future plans.

Pension Advice Horsham

With pension advice, we help Horsham professionals review, combine, and strengthen schemes built over varied careers and life stages.

Insurance Advice Horsham

Get personal insurance advice in Horsham to protect your family, income, and home with cover that fits your lifestyle.

Investment Advice Horsham

Our investment advice supports Horsham investors with practical strategies for long-term growth and financial confidence.

Testimonials

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.
★★★★★

Mortgage and Property Planning

Whether you're buying in Southwater, moving to the Warnham countryside, or remortgaging after a rate change, our independent mortgage advisers in Horsham compare the entire market to secure the right deal. We specialise in self-employed and company-director mortgages, structuring income documentation to meet lender requirements. We also provide remortgage and buy-to-let advice for homeowners looking to manage or expand property portfolios across West Sussex.

Example: A Horsham couple with mixed employment income remortgaged early to fix a competitive rate before a renewal increase, saving £275 per month.

Pension Clarity and Retirement Planning

For many Horsham residents, retirement planning begins with sorting through old workplace pensions. Our pension advisers in Horsham trace, review, and consolidate these schemes into one efficient plan, optimising fees and performance. We'll model how your income will look at different retirement ages, factoring in inflation, State Pension eligibility, and tax thresholds. Already retired? We can assess drawdown sustainability to make sure your funds last as long as you need them to.

Investment and Wealth Building

Horsham clients often want investments that balance responsibility with growth. We design bespoke portfolios that reflect your goals, whether that's income for early retirement, long-term capital growth, or ethical investing that aligns with personal values. Our Horsham investment advisers monitor markets, rebalance portfolios, and provide regular performance reviews to keep your money working efficiently. We also help clients integrate ISAs, bonds, and pension contributions into a cohesive tax-efficient plan.

Local Perspective: Horsham and Beyond

Horsham is more than a postcode — it's a way of life between coast and capital. Our advisers understand the unique mix of commuter incomes, rural properties, and small business ecosystems that define the area. We regularly meet clients who are located near Horsham Park, Tanbridge retail area, and Southwater Country Park.

Many of our clients also work near Gatwick Airport or along the A24 corridor, where planning for fluctuating income and flexible commuting costs is key.

Case Study – Building a Financial Safety Net

Client: Business owner, 45, Southwater

Challenge: Multiple pensions, no protection cover, uncertain about investment strategy

Solution: True Advice consolidated three pensions, added key-person and income protection, and developed a balanced investment plan to meet retirement and business goals.

The client now has full visibility over cash flow and long-term financial outcomes with no guesswork.

Horsham Financial FAQs

We're moving closer to St Leonard's Forest. Should we update our insurance?

It's a good idea. Location changes can affect protection and tax needs, and we'll make sure your cover stays right.

I commute along the A24. Can you help me budget better?

Yes. We look at everyday expenses, commuting and lifestyle choices when building realistic financial plans for clients around Horsham.

I own a small business near West Street. Can you advise on protection and exit planning?

We can. Our advisers help Horsham business owners with income protection, shareholder cover and long-term succession strategies.

Can you review old workplace pensions?

Absolutely. Our Horsham pension planners can trace and consolidate old pots, reducing duplication and improving efficiency.

Do you help business owners with protection or succession planning?

We do. Our advisers provide tailored insurance and pension advice for directors and family businesses in the Horsham area.

Regulatory Statements

Equity Release

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.

Investments

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.

Mortgages

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

Buy to Let Mortgages

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.

Complaints Procedure

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.

Email: complaints@newleafgroup.co.uk
Write to: New Leaf Distribution Ltd, 165 - 167 High Street, Rayleigh, Essex SS6 7QA
Call: 01702 431130

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):

Website: www.financial-ombudsman.org.uk
Phone: 0800 023 4567
Address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR