Business Details
40 Years
experience
Your Trusted Partner for Financial Planning Solutions
Established in 1986, Cox Financial has built a reputation for delivering trusted financial advice to individuals and businesses across the UK. Our team of qualified professionals, including members of the Personal Finance Society and holders of industry-recognised qualifications, prioritises tailored guidance over generic solutions. With over three decades of experience navigating market fluctuations, we specialise in mortgages, business protection, pensions, and investment strategies.Our client-centric approach includes home visits, flexible appointment times, and access to exclusive mortgage deals. We maintain transparency through clear fee structures and regulatory compliance under the Financial Conduct Authority. By combining technical expertise with personal service, we aim to help clients achieve long-term financial security.
Services
Mortgages
Business Protection
Investments
General Insurance
Pension Planning
Details
- Year established: 1986
Highlights and features
- Over 30 years of experience in financial advisory services
- Personalised advice from FCA-regulated professionals
- Flexible appointment options including evenings and weekends
- Access to exclusive mortgage deals unavailable through high-street lenders
- Team holds industry-recognised qualifications including DipPFS and Cert PFS
Associations and certifications
- Financial Conduct Authority
- Personal Finance Society
- Chartered Insurance Institute
- The Openwork Partnership
Services
Mortgages
Cox Financial offers comprehensive mortgage advice for first-time buyers, remortgagers, and buy-to-let investors. We provide access to exclusive broker-only deals and flexible mortgage products including offset, bridging, and flexible repayment options. Our FCA-regulated advisers help clients navigate the mortgage process with transparent fee structures and tailored solutions.
Business Protection
We specialise in business continuity protection solutions including key person insurance, partnership protection, and shareholder agreements. Our advisers help businesses mitigate financial risks from unexpected events through tailored insurance strategies. We work closely with business owners to identify critical vulnerabilities and implement protective measures aligned with their operational needs.
Pension Planning
Our pension planning services cover personal pensions, retirement strategies, and divorce settlement considerations. We help clients understand their options for replacing employment income through tax-efficient savings vehicles. With expertise in navigating changing pension regulations, we provide guidance on maximising retirement funds while managing investment risks.
Investments
We offer investment advice covering ISAs, asset-backed investments, and platform-based portfolio management. Our approach considers individual risk profiles and financial goals while explaining market risks associated with different investment vehicles. We help clients build diversified portfolios through regulated investment products and tax-efficient savings strategies.
General Insurance
Our general insurance services focus on protecting homes, assets, and financial security through tailored insurance solutions. We help clients assess appropriate coverage levels for property and contents insurance while explaining policy terms and conditions. Our approach ensures clients understand their protection gaps and implement suitable risk mitigation strategies.
People
Clive Cox
Partner
With over 30 years' experience, Clive Cox provides expert financial advice and holds qualifications including the Financial Planning Certificate (Cert PFS) and Mortgage Advice Qualification (MAQ). He specialises in long-term financial planning and client relationship management.
Lauren Ashburner
Financial Adviser
Lauren Ashburner, a qualified financial adviser with DipPFS and CeMAP certifications, manages client portfolios and provides mortgage advice. She combines technical expertise with a commitment to ongoing professional development in financial planning.
Amye Richardson
Mortgage & Protection Adviser
Amye Richardson specialises in mortgage and protection advice, helping clients secure appropriate financial products. She provides tailored guidance on residential and buy-to-let mortgage options alongside life and protection insurance solutions.
Questions
What financial services does Cox Financial offer?
We provide mortgages, business protection, pension planning, investment advice, and general insurance solutions tailored to individual client needs.
How does Cox Financial deliver its services?
Our FCA-regulated advisers offer flexible consultations at client homes, workplaces, or offices, including evening and weekend appointments.
What qualifications do your advisers hold?
Our team includes holders of the Diploma in Personal Financial Planning (DipPFS), Financial Planning Certificate (Cert PFS), and Mortgage Advice Qualification (MAQ).
Are your mortgage rates competitive?
We provide access to exclusive mortgage deals through our broker partnerships, including options not available through high-street lenders.
How are your fees structured?
We charge a transparent £99 administration fee with completion fees ranging from £99–£300 based on individual circumstances.
