Business Details
38 Years
experience
Independent Financial Advisers in East Lothian
We are independent financial advisers with over 27 years of experience in the industry, dedicated to providing tailored financial solutions to clients across the UK. Our expertise spans mortgages, pensions, insurance, and investments, with a focus on preserving wealth and achieving sustainable growth. As FCA-registered advisers, we prioritise client needs over product promotion, making business decisions locally in East Lothian rather than through distant corporate entities.Our team holds qualifications from the Chartered Insurance Institute and maintains professional memberships in key financial sector organisations. We operate transparently without upfront fees, leveraging deep market knowledge to deliver personalised advice that aligns with individual client circumstances and goals.
Services
Mortgages
Pensions
Insurance
Investments
Equity Release
Annuities
Long Term Care
Details
- Year established: 1988
Highlights and features
- We are FCA-registered financial advisers with proven regulatory compliance
- Our team has 27 years of continuous experience in financial services
- We operate transparently with no upfront fees for our advisory services
- Hold Chartered Insurance Institute qualifications in securities advice
- Maintain professional memberships in key financial industry organisations
Associations and certifications
- Financial Conduct Authority (FCA)
- Personal Finance Society
- Society of Mortgage Professionals
- Chartered Insurance Institute
What people say
Top notch advice
Amazing support
Extra mile assistance
Successful mortgage finding
Prompt communication
Services
Mortgage Advice
We provide comprehensive mortgage advice covering property purchases, remortgaging, and buy-to-let investments. Our FCA-regulated advisers help clients navigate interest rate decisions and secure appropriate financing while explaining potential risks. With deep local market knowledge, we assist both first-time buyers and experienced property investors in finding suitable mortgage solutions that align with their financial circumstances.
Pension Planning
Our pension specialists offer advice on consolidating schemes, SIPPs versus managed pensions, and retirement planning. We help clients evaluate their current provisions, adjust for early retirement goals, and ensure their pension strategies match their risk profiles. With expertise dating back to 1988, we provide ongoing reviews to maintain optimal pension arrangements throughout clients' working lives.
Investment Management
We advise on building diversified investment portfolios that balance growth potential with risk management. Our services include ISA/NISA tax planning, portfolio performance reviews, and strategic asset allocation. With 8.42 million under management, we focus on long-term capital preservation while seeking reasonable growth opportunities tailored to individual client objectives and market conditions.
Life Insurance
Our insurance services cover life cover, critical illness protection, and income replacement solutions. We help clients ensure adequate financial protection for dependents and safeguard against unforeseen circumstances affecting income. As Chartered Insurance Institute members, we provide impartial advice on appropriate coverage levels and policy structures that align with clients' personal and financial circumstances.
Equity Release
We offer specialist advice on equity release schemes for clients seeking to access property wealth in retirement. Our FCA-regulated advisers explain the implications of releasing equity while maintaining appropriate financial safeguards. We help clients understand how these arrangements affect inheritance planning and long-term care funding requirements, ensuring solutions align with their overall retirement strategy.
People
John Miller
Financial Adviser
With 27 years' experience, John Miller is an FCA-registered financial adviser holding Chartered Insurance Institute qualifications. He specialises in mortgages, pensions, and investment planning, serving clients across the UK from East Lothian. His expertise includes complex mortgage arrangements and pension consolidation, with a focus on delivering practical financial solutions.
Questions
Are you regulated financial advisers?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) with registration number 554067.
What areas do you serve?
We provide financial advice to clients throughout the UK from our East Lothian base near Edinburgh.
How long have you been in business?
Our team has been providing financial advice since 1988, with continuous service under current management.
Do you charge upfront fees?
No, we operate transparently without charging any upfront fees for our financial advisory services.
What qualifications do your advisers hold?
Our advisers hold qualifications from the Chartered Insurance Institute and maintain memberships in professional financial organisations.
Can you help with first-time mortgages?
Yes, we specialise in guiding first-time buyers through the mortgage process with clear explanations and appropriate solutions.
Reviews (7)
Denise Currie
Oct 14, 2021
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Positive:Professionalism,Quality,Responsiveness
I received such excellent professional advice. Would highly recommend this advisor.
I received such excellent professional advice. Would highly recommend this advisor.
Sofia Farinas Diver
Jun 04, 2018
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John was diligent and took the time to understand our position and needs. He promptly found us the perfect mortgage and we are now living in our ideal home. Johns advice and guidance was invaluable and we couldn't thank him enough. We would not hesitate to recommend him to anyone looking for clear, concise and friendly advice.
Caitlin Reid
Nov 24, 2017
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Recently used John as I didn't really know much about mortgages etc. but John made everything simple and hassle free. He sorted out everything for me and got me a mortgage pretty much straight away. Would highly recommend and I was extremely satisfied with the service.
Paul Scorgie
Aug 30, 2017
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John always goes over and above and there's nothing that can't be solved. He has access to loads of different products and really knows his stuff, wouldn't use anyone else.
Fiona Mathers
Jun 04, 2017
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John helped me secure a mortgage.recently. I was in precarious financial position and John worked hard on my behalf to sort everything out and keep me informed. I would recommend him to anyone who is needing sound financial advice.
Gp Tuv
Nov 07, 2016
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Great people, no one would bother to do the work and after the first bump they just abandoned us, but John went over the extra mile and looked the full picture.. We not only got granted one mortgage but 2!!I couldn't recommend him more! If you struggle and there is a chance he will get you one! I will be back for my next mortgage in a few months, thanks!
Sam
Jul 13, 2016
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We recently used John at Niven Financial to get a remortgage. We are self employed so found it difficult to get a mortgage elsewhere. Tried other brokers with no success. John was very patient with us and found us the right product which we were accepted for. Have already recommended John to self employed friends.
