Wendy Cochran Financial Independent Advice

We design and manage bespoke investment portfolios tailored to individual risk profiles and financial goals. Our expertise in UK and US markets ensures optimal asset allocation across equity funds, bond funds, and infrastructure investments. Clients benefit from ongoing portfolio reviews and tax-efficient strategies while maintaining full transparency through regular performance reports.

Our mortgage advisory service covers residential and buy-to-let arrangements with no fees for loans over 150,000. We specialise in remortgaging, first-time purchases, and complex cases including self-employed applicants. Through partnerships with major lenders, we secure competitive rates while simplifying the application process through remote consultations and digital documentation.

We provide comprehensive pension advice including defined benefit transfers and ISA management. Our process begins with risk assessment and existing portfolio analysis, followed by tailored recommendations to maximise retirement income. We prioritise client education through clear explanations of transfer values, tax implications, and long-term growth potential without using industry jargon.

Our remortgage service helps clients secure better rates without changing lenders. We handle all administrative tasks for free on eligible accounts, ensuring seamless transitions to new fixed-rate deals. With access to major providers like Nationwide and Santander, we identify cost-saving opportunities up to four months before current deals expire.

We specialise in buy-to-let mortgage solutions for both novice and experienced landlords. Our service includes portfolio analysis, tax-efficient structuring, and lender selection from high street banks and specialist providers. We streamline the application process through digital documentation while providing expert guidance on rental yield optimisation and regulatory compliance.

MSc, PhD, DipPFS qualified financial adviser with 20+ years' experience in fund management and mortgage advisory. Formerly at Edinburgh Fund Managers and Aegon Asset Management, Wendy established her independent practice to provide transparent, jargon-free financial solutions.

Certified pension transfer specialist with expertise in defined benefit schemes. Provides strategic investment advice while maintaining a client-focused approach that prioritises long-term financial security over short-term gains.

We manage bespoke portfolios for clients with £200,000+ assets, specialising in pension funds, ISAs, and investment portfolios with ongoing performance monitoring and tax-efficient strategies.

No fees for mortgages over £150,000. We receive lender commissions for deal switches, allowing us to offer free remortgage services while maintaining transparent pricing.

We assess existing schemes, explain transfer values, and recommend actions based on individual circumstances without charging unless transfers proceed.

Yes, we operate under Dalbeath Financial Planning Ltd (FCA no. 603653), ensuring compliance with strict regulatory standards for client protection.

Yes, most services operate via phone and email consultations without mandatory face-to-face meetings, serving clients across the UK.

We arrange residential, buy-to-let, remortgage, and first-time buyer mortgages, excluding holiday-let properties and self-build projects.

We have known of Wendy for the last few years now. Wendy has always been straight to the point with lots of options but the bestest advice to suit our needs. Wendy is so thorough and prompt so that we feel we can trust what we ask of Wendy. She is seriously one of the best advisors, we have used and continue to be. We were due a new mortgage fixed rate and we were only just thinking about it but coincidentally Wendy contacted us reminding us that our fixed-rate was due soon with all the information we didn't need to ask about and about the best rate going! So today, we have lesser stress at searching but are so glad that we felt we had our backs because Wendy had us on her work schedule in advance! Thank you. From Sunny and Angela

A telephone discussion was most useful and extremely thorough as well as clear. Wendy has patience and a professional as well as relaxed manner. I have no difficulties in recommending Wendy.

I first approached Wendy in 2015 to arrange our first mortgage and life insurance. Her approach is refreshing - to the point, no nonsense. So when it came to moving again, 6 years later, I didn't hesitate in contacting her again. Our situation was perhaps a little more complicated this time around, but that was no bother, and the mortgage is all arranged. I highly recommend her services - very responsive, direct, and has not yet let us down. I really really have no wish to move again for a very long time, but if I do, I will definitely be reaching out for a 3rd time!

I used the services of Matthew Harris to facilitate my DB pension transfer. I considered a number of other IFAs before I chose Matt. He impressed me with his knowledge and his approach to the process. His quote was also one of the most competitive. During the transfer process, he kept me up to date, and challenged my thinking to make sure I was aware of all factors before making a final decision. Matt completed the process in a very timely manner. Matt listened carefully to my wishes before suggesting an investment strategy to meet my future needs. I would recommend his services in this area.

Used Wendy's services twice now for a mortgage, once to re-mortgage and once to buy, and her service has been excellent. Both times the deals have been sorted out quickly, she always replies to emails immediately and keeps you up to date with progress. Would highly recommend using her for any mortgage needs.

Wendy is a godsend. She found us a very competitive mortgage several years ago and her professionalism and attentiveness was frankly faultless. She has recently been back in touch without any prompting to highlight a special lower rate our current mortgage lender is offering which we would have simply missed and its was so simple to arrange. It is very nice to be able to trust that Wendy will be in touch if there are improved or better options available to us. Thanks Wendy.

I asked Wendy Cochran to review the benefits of moving a final salary pension scheme. They provided a very quick response to my initial request, asking me to provide comprehensive details about the scheme and once I had done this they provided a detailed report on my circumstances within 2 days. The report was comprehensive, insightful and completely free. They recommended I take no action. Given this denied them an opportunity to earn a fee I genuinely believe they acted in my best interests.

I contacted Wendy Cochran because I was looking to transfer a final salary pension. Initially, I chose them because they were verified and qualified, and had clear details on their website that covered my area of interest. I was also keen to be able to conduct the correspondence online which I also gleaned from the website. From the outset I received very clear information from Matthew concerning fees and at what point they would be charged and a clear view of the process stages that would be required to achieve the transfer.

The advice I was given was very professional and constructive and in my case changed my view that the transfer was not right for me at this point in time. I will certainly use Wendy Cochran in future when the time is right for me

I contacted Wendy Cochran Independent Financial Advice with regard to transferring my DB pension to another platform. After sending all my paperwork and details, Matthew Harris carried out an analysis and determined that the transfer would not be in my best interests. Their fee structure means that they only receive payment if the transfer is completed, so this initial work was carried out at their expense. I appreciated the time and effort that Matthew put in and the advice that he gave me.

I contacted Matt about a potential defined benefit transfer. The process was very straight forward and I was able to complete a fact find and risk questionnaire all online. Matt reviewed my details and was able to provide a response quickly and via email, clearly detailing the reasons for his views. Extremely happy with the service received and I would not hesitate in contacting Matt again for future advice.

Wendy had set up a property investment for my wife and I a few years ago, which we were very happy with. When we subsequently needed advice on retirement and investment options, we had no hesitation in getting back in touch. We then met with Matt, who provided equally clear, unambiguous and reassuring responses to our queries. The actions agreed were carried out very quickly and efficiently. It was a pleasure doing business with both Wendy and Matt, and we would strongly recommend them to others. Eunice & Dave, Fife, September 2016

I recently came into quite a large inheritance and required advice on how best to make it work for me. I contacted Wendy Cochran who came to my home and went through several options with me. She spoke plainly and simply to someone who has no financial knowledge and gave lots of opportunities to ask questions. Due to her excellent advice I have now been able to invest my inheritance and stop working as I receive enough from my investment to make it worth while. Wendy also looked at my private pension and advised of a better way to use this money to give a better return when I reach the age of retirement. I have always found it very easy to contact Wendy and she is always very quick to respond to any queries I may have. First class service and one I personally would highly recommend.

Wendy is down to earth and really knows her stuff. She uses plain English, which is refreshing (and encouraging given that I know nothing about the world of financial management), but I'm sure she can talk Hedge Fund, Gilt, Equities or OEIC to anyone who shows an aptitude! Her reports are very easy to follow, she makes easy to understand suggestions and I feel involved in the management of my finances now. Past fund managers left me feeling that I wasn't in control of my own funds. I would highly recommend Wendy.

I recently came into quite a large inheritance and required advice on how best to make it work for me. I contacted Wendy Cochran who came to my home and went through several options with me. She spoke plainly and simply to someone who has no financial knowledge and gave lots of opportunities to ask questions. Due to her excellent advice I have now been able to invest my inheritance and stop working as I receive enough from my investment to make it worth while.
Wendy also looked at my private pension and advised of a better way to use this money to give a better return when I reach the age of retirement. I have always found it very easy to contact Wendy and she is always very quick to respond to any queries I may have. First class service and one I personally would highly recommend.

Wendy is a godsend. She found us a very competitive mortgage several years ago and her professionalism and attentiveness was frankly faultless. She has recently been back in touch without any prompting to highlight a special lower rate our current mortgage lender is offering which we would have simply missed and its was so simple to arrange. It is very nice to be able to trust that Wendy will be in touch if there are improved or better options available to us. Thanks Wendy.

I asked Wendy Cochran to review the benefits of moving a final salary pension scheme. They provided a very quick response to my initial request, asking me to provide comprehensive details about the scheme and once I had done this they provided a detailed report on my circumstances within 2 days. The report was comprehensive, insightful and completely free. They recommended I take no action. Given this denied them an opportunity to earn a fee I genuinely believe they acted in my best interests.

I contacted Wendy Cochran because I was looking to transfer a final salary pension. Initially, I chose them because they were verified and qualified, and had clear details on their website that covered my area of interest. I was also keen to be able to conduct the correspondence online which I also gleaned from the website. From the outset I received very clear information from Matthew concerning fees and at what point they would be charged and a clear view of the process stages that would be required to achieve the transfer.

The advice I was given was very professional and constructive and in my case changed my view that the transfer was not right for me at this point in time. I will certainly use Wendy Cochran in future when the time is right for me

Wendy has helped us when moving house and again when remortgaging this year. She got us a great deal on both occasions (especially as we had been in a tricky position with a previous debt and were struggling to get a mortgage anywhere). I can definately recommend Wendy and Dalbeath Financial highly.