Sterling Welsh
Give me a call for a no-obligation chat about your finances. There is NO CHARGE for the initial consultation and I will provide you with a FREE Financial Overview after our first meeting.
Book a call today and I look forward to helping you,
Dai
We can advise you on
Pensions & retirement
Annuity purchase
Auto enrolment
Pension consolidation
Pension drawdown
Pensions & divorce
Pensions & retirement planning
Pensions review
Pensions transfer
SIPPs
Stakeholder
Mortgages
Bad credit
Building your home
Buy my next home
Buy to let
Buying commercial property
Buying first home
Buying overseas
Equity release
Flexible mortgages
High loan to value
Mortgage protection
Next home / Remortgaging
Right to buy
Self-employed mortgages
Financial planning
Wealth management
Investments
Ethical investments
ISA / Unit Trusts / OEICs
Investing for income
Investment trusts
OEICs
Offshore investments
Socially responsible investments
Unit trusts
Savings
Lump sum
National savings
Regular savings
Savings for children
School fees planning
Insurance & protection
Critical illness
Income protection insurance
Life insurance
Tax & trust planning
Capital gains tax
Estate planning
Income tax
Taxation planning
Business
Commercial mortgages
Corporate pension
Employee benefits
Group Pension/Stakeholder
Group Protection/Life Insurance
Group critical illness
Group income protection
Group life insurance
Group private medical insurance
Group risk
Sharia finance
Sharia finance
FCA authorised
Last authorised 16th May 2022
Meet our advisers
MR David Rose CeMAP, DipFA, MPharm
Director & Independent Financial Adviser
Qualifications & Accreditations
CeMAP - Certificate in Mortgage Advice and Practice (LIBF)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.
Diploma in Professional Financial Advice (SQA)
This qualification assesses a knowledge and understanding of the financial services industry including: regulation and ethics, personal taxation, investment principles and risk, pensions and retirement planning, financial protection
What our clients say
David Rose of Sterling Welsh arranged my mortgage for me. From the moment I made the offer on our new home he was absolutely excellent. Throughout the whole process I felt I had a very powerful advocate who was totally committed to making this happen. I am self-employed, which isn't the easiest of circumstances for mortgage application! However David made the process seamless and painless. He was incredibly knowledgeable and always extremely efficient. I have spoken to others who had to chase their mortgage advisors etc, and I have to say that David was super efficient in EVERY aspect of the journey. He was totally professional and yet friendly as well. He made himself available at unsociable hours, with very good grace. His fees were more than reasonable and I cannot recommend him too highly. I know of so many friends who have benefited from his unparalleled services and suggest that you speak to him immediately about all your financial needs. Having secured an excellent deal on our mortgage I will be asking David Rose to attend to all the major financial decisions in our future. As I said I cannot recommend him highly enough!
Brilliant service, Sterling Welsh has helped me and my husband mortgage and re-mortgage our properties.
Dai gave me friendly advice and was never pushy with any of the products he said would be useful to me. He puts me first and I completely trust everything he says. He’s really approachable and I’d highly recommend him!
I can’t think of anything Dai could have done more. He went above and beyond my expectations
Dai gives very clear, detailed advice including suggestions for issues that we may not have yet been aware of or considered
I wished to have an up to date specialist look at my pension, to aid my retirement planning for the future.
He offered a full pension review which eventually lead to transferring my pension to a different provider. He provided projections for my pension and my income post retirement.
Yes, my pension has been transferred and will be monitored by David, monthly, over the next few years.
His work was very good, his advice was well considered and informative. He had a broad depth of knowledge and offered great insight into my financial planning, not only concerning my pension but as a whole.
I was unhappy with my current IFA. David helped me to release equity in my property, arranged a new mortgage and advised me on my pension plan. The outcome in all services was better than I hoped for and my pension pot has given me a higher return in 6 months than I received in the previous 3 year period. David was extremely attentive to my needs and I cannot praise him highly enough.
I was looking to protect and provide for my family if something should happen to me
David Rose was amazing. He talked me through all the options with great patience and excellent knowledge giving me the information I needed to make an informed decision
He couldn’t have done anything better. I’ve used several financial advisors in the past and the service David provided was far superior.
Easy, quick and exceptional service - Sterling Welsh are the people to go to when you want straight forward advice and help. Fastest mortgage approval I've ever had.
Dai and his colleagues give very good advice and are very approachable and efficient.
I don't usually rate. But Sterling Welsh are special. Six weeks ago I had no idea that I could buy a house, have insurances, find a Solicitor who works With me not just files my accounts etc, etc. But a House? No chance. I met Dai - 4 weeks ago, and since that time he and his team have totally turned my life around. I really can't believe how much these guys have changed my life. 4 years ago, I lay dying for 6 months in hospital from multiple organ failure, sepsis, double pneumonia, etc, and then they discharged me to no home. so I spent a year living on the streets homeless. Since then I've fought hard to take on every challenge step by step, but no way could I, me, l own a house. Now look at me, With Rich Baron's amazing help, and patience, and advice, and care, now, come the 1st July I am moving into this gorgeously totally redeveloped house in canton. Thank you very very much.
Great advice and fantastic service. Dai and the team at Sterling Welsh couldn't have been more helpful. They have made what could have been a very stressful time for me much easier, sorting mortgage, life insurance, critical illness cover, Will etc quickly and easily with no fuss, while ensuring that each product fully meets my needs.
What were the circumstances that caused you to look for a financial adviser?
My wife and I had sold our business and premises and moved to a new home. We required expert advice on future planning and private insurance.
How did Dai Rose help you?
Dai was extremely patient, did not push us in any specific direction but gave us his professional advice and honest opinion on what we should be looking towards for our future financial assignations - and after this we felt comfortable in his honesty and ability to handle our investments.
Have you seen the outcome you were hoping for?
Not as yet - but we are confident it will materialise.
What could they have done better?
As new investors we appreciate honest and skill in this sphere and we think that we have captured this with DAI.
What were the circumstances that caused you to look for a financial adviser?
Needed advice on becoming tax efficient in investments
How did Dai Rose help you?
Dai helped advise what was the best way to be tax efficient with pension contributions
Have you seen the outcome you were hoping for?
yes
What could they have done better?
nothing
Dai's reply
Thanks James. Happy to help and look forward to using you in the future. Dai
What were the circumstances that caused you to look for a financial adviser?
Financial planning required in particular pensions and tax mitigation.
How did Dai Rose help you?
Dai has helped by reviewing my investment strategy and pension situation. We know have a clear pathway set out on a use friendly online dashboard which allows me to monitor these investments and continues growth from home.
Have you seen the outcome you were hoping for?
Yes
What were the circumstances that caused you to look for a financial adviser?
I needed protection and wanted to use somebody that i can trust
How did Dai Rose help you?
He's great and thorouhly made me feel at easy, he answered all my questions and undertsood us and what what best
Have you seen the outcome you were hoping for?
Yes fully protected
What could they have done better?
Nothing everything was great
What were the circumstances that caused you to look for a financial adviser?
I became an age where I needed to sort things financially and I was recommended to talk to Dai
How did Dai Rose help you?
He gave me friendly advice and was never pushy with any of the products he said would be useful to me. He puts me first and I completely trust everything he says. He’s really approachable and I’d highly recommend him!
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
I can’t think of anything Dai could have done. He went above and beyond my expectations
About us
If you’d rather visit the dentist than sort your personal finances then you might want to give me a call. I will help you understand your personal finances and explain things in a way that an 8-year-old can understand.
There are no Rolex watches or pin-striped suits here and nobody in the office is called Tarquin either! I just offer sound financial advice in a lovely setting right in the centre of Mumbles.
I can meet you here in the office or at your home. You get to chose. I also offer video conference facilities so you can speak to me in your pyjamas if you like!
After the initial meeting (which is FREE of charge) I will provide you with a full overview of your personal finances (worth £500) with my COMPLIMENTS. If you decide that you like me and want to work with me I will provide you with a full schedule of charges before any chargeable work is done on your behalf.
So it’s really that simple, just book a call and I look forward to speaking with you soon. 👍
If you have any questions, then just give me a shout.
Dai Rose
Our services
I or my team can help you with:
- Investments
- Pensions
- Life Insurance
- Inheritance Tax Mitigation
- Saving for School Fees
- Retirement Planning
- Living in Retirement
- Cashflow Planning
- Inheritance Tax Advice and Planning
- First Time Buyer Mortgages
- Commercial Mortgages
- Buy to Let Mortgages
- Equity Release Mortgages
Where to find us
Head office address: Sterling Welsh Ltd, Gower House, 28-30 Dunns Lane, Mumbles, SA3 4AA
Preferred clients
Minimum wealth (income/assets)
£51,000
Minimum pension value
£51,000
Minimum mortgage value
£101,000
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
-
FREEpension health check+ £50 off the
cost of advice -
FREEinvestment health check+ £50 off the
cost of advice -
FREEfinancial health check+ £50 off the
cost of advice
Advice methods
-
Telephone
-
Online (Live chat, video, email)
-
Face to face
Compliance
Your home may be repossessed if you do not keep up repayments on your mortgage.
FCA authorised
Last authorised 16th May 2022
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