Business Details
Trusted Financial Advisers in Halifax
Lowe David S has been providing tailored financial advice to individuals and families across West Yorkshire for over two decades. As an FCA-authorised firm, we specialise in delivering impartial guidance on mortgages, equity release, protection, pensions, and investment strategies. Our approach prioritises client needs through comprehensive assessments of personal circumstances, risk profiles, and long-term objectives. With a commitment to transparency, we operate under strict regulatory standards while maintaining accessibility for clients of all backgrounds.Our team combines technical expertise with practical solutions, offering home consultations and office-based meetings to accommodate diverse client preferences. Through continuous market analysis and product evaluation, we ensure clients receive recommendations aligned with their financial goals and regulatory requirements.
Services
Mortgages
Equity Release
Protection
Pensions Advice
Investment Planning
Highlights and features
- We are FCA-authorised and regulated for your protection
- 20+ years of experience in mortgage and financial planning
- Personalised advice tailored to individual risk profiles
- Home consultations available across West Yorkshire
- Comprehensive analysis of 100+ financial products monthly
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
We provide comprehensive mortgage advisory services covering first-time purchases, remortgaging, buy-to-let investments, and equity release. Our FCA-regulated advisers assess your financial situation to recommend suitable products from the whole market. With access to exclusive deals and transparent fee structures, we help clients secure competitive rates while explaining all associated risks.
Equity Release
Specialist advice on releasing capital from property for homeowners over 55. We explain lifetime mortgages and home reversion plans with clear explanations of tax implications and impact on benefits. Our FCA-approved process includes suitability assessments and inheritance protection options. We charge a fixed 695 fee for completed transactions with no upfront costs.
Pension Planning
Tailored pension advice covering workplace schemes, personal pensions, and self-invested products. We assess retirement goals, risk tolerance, and income requirements to create sustainable withdrawal strategies. Our services include pension consolidation, tax-efficient drawdown plans, and state benefit optimisation for clients approaching retirement.
Questions
Are your financial advisers qualified?
Yes, all our advisers hold Level 4 qualifications and are FCA-registered. We maintain continuing professional development to stay current with market changes.
How are your services charged?
Most mortgage services receive commission from lenders. We charge £99 application fee for mortgages and £695 for equity release advice upon completion.
Do you offer home visits?
Yes, we provide free home consultations across West Yorkshire for mortgage, equity release, and pension planning enquiries.
What areas do you cover?
While based in Halifax, we serve clients throughout West Yorkshire including Huddersfield, Bradford, and surrounding areas.
How are you regulated?
We are authorised and regulated by the Financial Conduct Authority (FCA) under reference 458258, ensuring compliance with strict conduct standards.
Reviews (2)
Lola Sigeda
Sep 19, 2021
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AVOID AVOID AVOID He caused unnecessary delays then blamed everyone else for this. Unsympathetic. Constantly have to chase him to get things down or for an update. He sent the requested important documents way too late and in the end cost me money. Complained and he took 8 weeks to write a patronising response. Completely incompetent at his job.
Dean OMeara
Mar 18, 2017
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Got us the best Mortgage, always available to assist throughout the process. Highly recommended. Dean O' Meara
