Expert Financial Advice, Wherever You Are in Life
Life brings change, challenges, and opportunities — and your financial decisions should keep pace. At Highclere Financial Services, we take the time to understand your journey, offering expert, independent advice that evolves with you. Wherever you are in life, we’re here to help you move forward with clarity and confidence.
Explore Our Services
Use the links below to jump straight to a specific service or scroll down to explore everything we offer in more detail. Whether you’re buying a home, protecting your family, or planning for retirement, you’ll find clear, practical advice for every stage of life.
Mortgages
Expert guidance for buying, moving, or remortgaging — with support every step of the way.
Critical Illness Cover
Financial support if serious illness impacts your life or income.
Investments
Grow your wealth with clear, goal-focused investment advice.
Equity Release
Unlock value from your home later in life — with guidance you can trust.
Mortgages
Expert guidance for buying, moving, or remortgaging — with support every step of the way.
Critical Illness Cover
Financial support if serious illness impacts your life or income.
Investments
Grow your wealth with clear, goal-focused investment advice.
Equity Release
Unlock value from your home later in life — with guidance you can trust.
Life Insurance
Cover that protects your loved ones and grows with your needs.
Income Protection
Keep your income secure if illness or injury stops you from working.
Pensions & Retirement Planning
Confidently plan for the future with flexible, personal retirement advice.
Financial Health Check
Understand where you stand — and how to strengthen your finances.
Life Insurance
Cover that protects your loved ones and grows with your needs.
Income Protection
Keep your income secure if illness or injury stops you from working.
Pensions & Retirement Planning
Confidently plan for the future with flexible, personal retirement advice.
Financial Health Check
Understand where you stand — and how to strengthen your finances.
Mortgages
Helping you buy, move, or remortgage with clarity and confidence.
A mortgage is a loan secured against your home and choosing the right one can make a real difference to your finances, both now and in the future. Whether you’re a first-time buyer, moving house, or remortgaging to get a better deal, we’re here to help.
We advise on residential, remortgage, buy-to-let, and equity release mortgages – explaining the benefits and drawbacks of each type, from fixed rates to trackers and offset options. We’ll help you decide what fits your needs, budget, and long-term plans.
You’ll also have our full support throughout the process from comparing deals and completing paperwork, to working with lenders and guiding you to completion.
Alan Lakey has won Money Management’s Mortgage Planner of the Year four times one of the most recognised awards in the industry.
Mortgages
Helping you buy, move, or remortgage with clarity and confidence.
A mortgage is a loan secured against your home and choosing the right one can make a real difference to your finances, both now and in the future. Whether you’re a first-time buyer, moving house, or remortgaging to get a better deal, we’re here to help.
We advise on residential, remortgage, buy-to-let, and equity release mortgages – explaining the benefits and drawbacks of each type, from fixed rates to trackers and offset options. We’ll help you decide what fits your needs, budget, and long-term plans.
You’ll also have our full support throughout the process from comparing deals and completing paperwork, to working with lenders and guiding you to completion.
Alan Lakey has won Money Management’s Mortgage Planner of the Year four times one of the most recognised awards in the industry.
Life Insurance
Helping you protect the people who matter most.
Life insurance provides financial support to your loved ones if you pass away during the policy term. It’s designed to help cover things like mortgage repayments, day-to-day living costs, or other financial responsibilities — giving those you care about one less thing to worry about.
You’ll be guided through how much cover is right for you, along with the type of policy that best matches your needs — from level and decreasing term to more adaptable plans. We explain everything clearly, compare options from across the market, and make sure your protection fits your priorities.
It’s not always an easy conversation — but it’s one of the most important ones you can have. We’re here to make it simpler, clearer, and focused on what matters to you.
Critical Illness Cover
Financial protection if serious illness disrupts your life.
Critical illness cover provides a tax-free lump sum if you’re diagnosed with a serious medical condition listed in your policy — such as cancer, heart attack, or stroke. It’s designed to help cover expenses like lost income, mortgage payments, or medical treatment while you focus on recovery.
Know exactly what’s covered, what’s not, and how much protection aligns with your financial goals. Alan Lakey brings nationally recognised insight to help you compare policies and explore how critical illness cover fits alongside life insurance or income protection.
It’s about giving you one less thing to worry about — and knowing that if the unexpected happens, your finances don’t have to take the hit.
Critical Illness Cover
Financial protection if serious illness disrupts your life.
Critical illness cover provides a tax-free lump sum if you’re diagnosed with a serious medical condition listed in your policy — such as cancer, heart attack, or stroke. It’s designed to help cover expenses like lost income, mortgage payments, or medical treatment while you focus on recovery.
Know exactly what’s covered, what’s not, and how much protection aligns with your financial goals. Alan Lakey brings nationally recognised insight to help you compare policies and explore how critical illness cover fits alongside life insurance or income protection.
It’s about giving you one less thing to worry about — and knowing that if the unexpected happens, your finances don’t have to take the hit.
Income Protection
Keeping your income secure if illness or injury stops you from working.
Income protection provides a regular tax-free income if you’re unable to work due to illness or injury. It’s designed to cover essential outgoings — like your mortgage, rent, or bills — so you can focus on getting better, not worrying about money.
It provides wider coverage than critical illness cover because it pays out a tax-free income for any illness or accident that prevents you from working — not just a specified list of conditions. Payouts can last for months or even years, depending on your plan.
You’ll get clear, practical guidance on how much cover is right for you, how long it should last, and which options offer the best fit for your circumstances and budget.
Investments
Helping your money grow with advice built around your goals.
Whether you’re investing for the first time or reviewing an existing portfolio, the right advice can help you grow your wealth with confidence. Investing isn’t just about chasing returns — it’s about making informed decisions that reflect your goals, timeframes, and attitude to risk.
You’ll get clear, jargon-free explanations — from how ISAs work to the differences between fund types and risk profiles. We take time to understand your priorities and recommend a strategy that fits your lifestyle and financial aims.
Our advice is always personal, practical, and focused on long-term, steady growth.
Investments
Helping your money grow with advice built around your goals.
Whether you’re investing for the first time or reviewing an existing portfolio, the right advice can help you grow your wealth with confidence. Investing isn’t just about chasing returns — it’s about making informed decisions that reflect your goals, timeframes, and attitude to risk.
You’ll get clear, jargon-free explanations — from how ISAs work to the differences between fund types and risk profiles. We take time to understand your priorities and recommend a strategy that fits your lifestyle and financial aims.
Our advice is always personal, practical, and focused on long-term, steady growth.
Pensions & Retirement Planning
Plan the retirement you want — with clarity and confidence.
Planning for retirement isn’t just about building a pension pot — it’s about making decisions that give you freedom, flexibility, and peace of mind. Whether you’re starting to save, reviewing your pensions, or approaching retirement, we’ll guide you every step of the way.
Understanding how pensions work — and how to turn them into income when the time comes — is made simple and clear. We explain options like draw down, annuities, and tax-free cash in clear terms, so you can make decisions with confidence.
Our goal is simple: to help you feel prepared, in control, and ready for whatever comes next.
Equity Release
Accessing the value in your home — without giving it up.
Equity release allows you to access money from your home without needing to move. It can boost your retirement income, help fund home improvements, support loved ones or simply provide more financial freedom later in life.
We guide you through how it all works — from lifetime mortgages to home reversion plans — and clearly explain how equity release might affect your estate, inheritance, and long-term plans.
You’ll also be given a full overview of the alternatives, ensuring every decision is made with complete confidence. Our advice is always honest, transparent, and focused on what’s right for you — now and in the years ahead.
Equity Release
Accessing the value in your home — without giving it up.
Equity release allows you to access money from your home without needing to move. It can boost your retirement income, help fund home improvements, support loved ones or simply provide more financial freedom later in life.
We guide you through how it all works — from lifetime mortgages to home reversion plans — and clearly explain how equity release might affect your estate, inheritance, and long-term plans.
You’ll also be given a full overview of the alternatives, ensuring every decision is made with complete confidence. Our advice is always honest, transparent, and focused on what’s right for you — now and in the years ahead.
Financial Health Check
A clear view of where you stand — and what to do next.
A financial health check is a simple, no-pressure review of your current finances. It’s a chance to step back, look at the bigger picture, and make sure everything’s working in the right direction — from your savings and protection to pensions, debt, and future plans.
We take the time to understand your goals and concerns, then highlight any gaps or opportunities you might not have noticed. You’ll come away with practical steps to strengthen your financial position — whether that means fine-tuning what you already have or making a few smart adjustments.
There’s no commitment — just a chance to check in, ask questions, and feel more confident about your money.
Let's Start the Conversation
Planning for the future starts with a simple chat — we're here to help.