Heathcote Financial Planning Claimed

At Heathcote Financial Planning, I provide independent advice on commercial mortgages and specialist property finance for business owners, landlords, investors and clients with more complex borrowing requirements.

I am Stephen Heathcote, a Chartered Independent Financial and Mortgage Adviser with more than 25 years’ experience helping clients navigate property finance decisions with clarity and confidence.

Commercial Mortgage & Specialist Lending Support
Commercial and specialist borrowing often requires a more tailored approach than standard residential mortgages. Lender criteria can vary significantly depending on the property type, ownership structure, income arrangements and intended use of the property.

I help clients assess suitable options across the market and guide them through the process from initial enquiry through to completion.

I can assist with:

• Commercial mortgages
• Semi-commercial mortgages
• Buy-to-let finance
• Limited company buy-to-let
• Portfolio landlord finance
• HMO mortgages
• Holiday let finance
• Further advances
• Second charge mortgages
• Self-build and renovation finance
• Specialist borrowing structures

Advice for Complex Cases
Many clients come to me because their circumstances do not fit standard high-street lending criteria. This may involve self-employed income, multiple income streams, adverse credit, limited company borrowing, or time-sensitive transactions.

With specialist borrowing, choosing the right lender is about far more than simply comparing rates. Presenting the case correctly and understanding how lenders assess complex circumstances can make a significant difference.

A Calm & Practical Approach
I take time to understand your wider financial position, property goals and future plans before recommending a suitable route forward. My aim is always to explain options clearly, reduce unnecessary stress and help clients move forward with greater confidence.

Every case is personally overseen by me, with advice tailored to your circumstances rather than a one-size-fits-all approach.

Get in touch today to discuss your commercial mortgage or specialist property finance requirements with Heathcote Financial Planning.