Lowndes Halsden & Partners Limited

Our FCA-authorised discretionary fund management service creates diversified investment portfolios tailored to individual risk profiles. We combine active and passive strategies to optimise returns while maintaining appropriate risk controls. Clients benefit from regular portfolio reviews and transparent reporting, ensuring their investments remain aligned with long-term financial objectives.

We provide comprehensive pension advice covering workplace, personal, and self-invested pensions. Our specialists help clients maximise tax-efficient contributions, consolidate existing pensions, and develop retirement income strategies. We explain complex pension rules in plain English, ensuring clients understand their options for accessing pension funds post-retirement.

Our whole-of-market mortgage service covers first-time purchases, remortgaging, and buy-to-let investments. We help clients navigate thousands of mortgage products to find the most suitable deals. We explain affordability criteria, assist with application processes, and provide guidance on government schemes and associated costs.

We offer tailored life insurance solutions including term life, whole-of-life, and critical illness cover. Our advisers explain policy features, help determine appropriate coverage levels, and ensure policies align with clients' financial commitments. We also advise on income protection and family financial security planning.

Our tax-efficient planning services cover inheritance tax mitigation, investment structuring, and pension tax relief optimisation. We work with clients to develop strategies that legally minimise tax liabilities while supporting long-term financial goals. This includes advice on ISAs, trusts, and business-related tax planning opportunities.

Experienced senior financial adviser with over 20 years in wealth management. Specialises in retirement planning and investment strategy, known for clear communication and client-focused approach.

Level 4 qualified adviser with expertise in mortgage solutions and protection planning. Recognised for thoroughness and ability to simplify complex financial concepts for clients.

Specialist in first-time buyer mortgages and savings strategies. Provides detailed market analysis while maintaining approachable, jargon-free communication style.

We specialise in investment management, pension planning, mortgage advice, life insurance, tax planning, and comprehensive wealth management solutions.

Yes, we offer two free initial consultations to assess your financial needs and develop a tailored advice plan.

We are directly authorised and regulated by the Financial Conduct Authority (FCA) under reference number 123456.

Yes, we provide whole-of-market mortgage advice covering first-time purchases, remortgaging, and buy-to-let investments.

Based in Cardiff, we serve clients across South Wales and offer remote consultations for UK-based clients.

My partner and I have found Lowndes Halsden an incredibly helpful and trustworthy company to deal with for our investments. The team have great knowledge and are always happy to help with any questions. Highly recommend.

Absolutely Brilliant! Our friends recommended Lowndes Halsden to us. We were so excited as first time buyers to get on the property ladder and we hadn't seen a Financial Adviser before. They provided us with clear and sensible advice. This firm helped us every step of the way since we didn't have a clue. We have had a few annual reviews since then and now understand the importance of regularly checking our finances to ensure we are continually getting value for money.

I feel I am in control of finances since the providers out there have a habit of creeping up their costs each year hoping the average person won't notice and accept the increases. We don't accept these increases and Lowndes Halsden helps us shop around for either the best prices or products or both. We also took out some stock market investments that we pay a fee to have managed. These have already performed well and hope these will increase our nest egg for our future. I would definitely recommend Lowndes Halsden to my friends and family. Thank You. David Gully

Absolutely Brilliant! Our friends recommended Lowndes Halsden to us. We were so excited as first time buyers to get on the property ladder and we hadnt seen a Financial Adviser before. They provided us with clear and sensible advice. This firm helped us every step of the way since we didnt have a clue. We have had a few annual reviews since then and now understand the importance of regularly checking our finances to ensure we are continually getting value for money.

I feel I am in control of finances since the providers out there have a habit of creeping up their costs each year hoping the average person wont notice and accept the increases. We dont accept these increases and Lowndes Halsden helps us shop around for either the best prices or products or both. We also took out some stock market investments that we pay a fee to have managed. These have already performed well and hope these will increase our nest egg for our future. I would definitely recommend Lowndes Halsden to my friends and family.

I live local and past the offices of Lowndes Halsden most weeks but I never knew what they did. They came highly recommended, by a couple of colleagues of mine, a few years ago and I decided to try them as the first appointment was free and with no obligation. The staff have always been friendly and professional which makes me feel confident and at ease. They explain everything very well and in a manner I understand.

I can easily say that this is the best financial service I have ever received and Ive tried a few in the past. I have now recently had my third annual review and I can actually say I do enjoy seeing my financial adviser since he puts my finances in the best place and I have been happy with everything he has recommended to me. In the recent uncertain times they have kept me on track which has given me peace of mind. I would without hesitation recommend Lowndes Halden to my friends and family. Many thanks. See you next year.

Absolute pirates. We were young and naive so thought going to a financial advisor before we set out on our first mortgage would be sensible. We got signed up for house insurance on our home purchase that was overpriced by about 800. We also got signed up for a private pension with an initial charge of 4% and an ongoing charge of 1.5% every year, despite no ongoing service from LH. This is in addition to the fund charge of 0.35% from Aviva.

It is only now, years later, that I am financially literate enough to realise what an utterly despicable service this truly was. The fees are beyond extortionate, and LH clearly just saw us as ignorant paychecks to be abused. I wouldn't recommend these lot to my worst enemy.

I live local and past the offices of Lowndes Halsden most weeks but I never knew what they did. They came highly recommended, by a couple of colleagues of mine, a few years ago and I decided to try them as the first appointment was free and with no obligation. The staff have always been friendly and professional which makes me feel confident and at ease. They explain everything very well and in a manner I understand.

I can easily say that this is the best financial service I have ever received and I've tried a few in the past. I have now recently had my third annual review and I can actually say I do enjoy seeing my financial adviser since he puts my finances in the best place and I have been happy with everything he has recommended to me. In the recent uncertain times they have kept me on track which has given me peace of mind. I would without hesitation recommend Lowndes Halden to my friends and family. Many thanks. See you next year.

Visited Lowndes Halsden as a new client four months ago. They were a breath of fresh air and I never felt forced to transact the recommendations given, unlike previous IFA's I've used. Will be going back in a years time.

Professional, easy to understand and recommended by a close friend who is 100% satisfied, like myself. My first appointment and recommendations received were all free and no sales pressure exists - which was a breath of fresh air. Very Happy.

I was personally recommended to go to Lowndes and I found it a breath of fresh air. They spoke to me 'normal' and did not use jargon that just made feel stupid or uncomfortable. They have no sales pressure tactics and allow you go away and think about everything that was discussed. My first meeting was free and my second follow up meeting was too. I wish I had been recommended to Lowndes years ago.

In the 10 years or more that Lowndes Halsden has been my Financial Advisers; I have been impressed and delighted by their sound judgement and by the quality of the advice. It's no coincidence that both my mother and my wife are also clients of Lowndes Halsden, as they feel the same as I do. Without Lowndes Halsden on our side none of us would have profited as much as we have done while investment conditions have been favourable, and I know that all of our portfolios would have been far more vulnerable in these less than favourable times.

In addition to this, they are trustworthy, reliable and are true professionals and I would have no hesitation in recommending Lowndes Halsden to friends or family - as mentioned above. As the previous review states - you have nothing to lose but a small amount of your time since the first meeting is free and I assure you - you will learn something new.

Popped into Lowndes Halsden Cardiff office in Birchgrove (after reading several good reviews online) and one of the nice ladies booked me in for an appointment. I haven't got much money and I just wanted to make sure what I had was safe and in the best places. In addition, they actually gave me very good advice on most of my monthly outgoing costs like utilities etc and they have saved me nearly a hundred pounds a year and I had to do very little to get this saving. Thanks

I was personally recommended to go to Lowndes and I found it a breath of fresh air. They spoke to me 'normal' and did not use jargon that just made feel stupid or uncomfortable. They have no sales pressure tactics and allow you go away and think about everything that was discussed. My first meeting was free and my second follow up meeting was too. I wish I had been recommended to Lowndes years ago.

In the 10 years or more that Lowndes Halsden has been my Financial Advisers; I have been impressed and delighted by their sound judgement and by the quality of the advice. It's no coincidence that both my mother and my wife are also clients of Lowndes Halsden, as they feel the same as I do. Without Lowndes Halsden on our side none of us would have profited as much as we have done while investment conditions have been favourable, and I know that all of our portfolios would have been far more vulnerable in these less than favourable times.

In addition to this, they are trustworthy, reliable and are true professionals and I would have no hesitation in recommending Lowndes Halsden to friends or family - as mentioned above. As the previous review states - you have nothing to lose but a small amount of your time since the first meeting is free and I assure you - you will learn something new.

Professional, easy to understand and recommended by a close friend who is 100% satisfied, like myself. My first appointment and recommendations received were all free and no sales pressure exists - which was a breath of fresh air. Very Happy.