WHAT MAKES US DIFFERENT
Located in Sevenoaks, Citrus Financial provides valuable financial planning and mortgage advice to every generation across the South East.
Established in 2002 by David Braithwaite, BBC Radio Kent’s regular guest financial expert, Citrus Financial has grown to become an established and important presence in the financial advice profession.
What makes us different is our exceptional customer service, combined with the local knowledge, expertise, and dedication of our team.
We pride ourselves on our friendly and caring approach and in being able to deal with a huge range of financial matters, no matter how complex. Naturally our team have a whole host of qualifications, but just as importantly, they have the ability to listen to you and understand your goals. Only once they’ve understood your needs can they put their qualifications to work.
To see how we can help you make more of your wealth please contact us for a free initial consultation.
HOW WE CAN HELP
Investing for your future
Planning for the perfect retirement
Taking control of your pensions
Buying a home or remortgaging
Protecting you and those you love
Passing on your wealth to your loved ones
Looking after your wealth through divorce
Insuring your home from the unexpected
Private Medical Insurance
HOW CAN WE HELP
In perfect world, your financed are sorted. In a perfect world, you have the time and energy to think about your finances and the expertise to make the best of them. But it’s not a perfect world. We all know that financial planning is something that everyone should do but most don’t. It’s easy to push aside, to think about it later. And later never comes, because finances are boring, scary, or just plain confusing.
We Can Help
A VOICE YOU CAN TRUST
Over the last decade our client focused and knowledgeable approach to financial advice has led to us becoming a trusted voice.
David is regularly called upon for expert comment and opinion across multiple media channels.
Your 4 STEP ADVICE Journey
This is the four step journey we will go on together which makes sure you receive the quality of advice you deserve. After all, it’s all about you.
By gathering information from you we will find out about any plans you already have in place.
Then by exploring your hopes and aspirations, your attitude to risk and return, we will build a picture of what you want to achieve.
At this stage you will find out what to expect from us and how you will benefit from using us.
We do not usually charge a fee for this stage.
We’ll explore and research various scenarios to make the best use of your existing plans.
We’ll then recommend how you can build on your existing plans so you give yourself the best chance of achieving your goals.
Like most of our clients, you will probably prefer us to do the necessary work to put your plan into action. We will work on your behalf with the provider or lender. This will save you a lot of time and effort and ensure your plans are set up correctly. We will charge you a fee for doing this, which we will explain to you.
Alternatively, you may decide to implement our recommendations yourself, in which case we just charge you for our time and advice.
Nothing stands still, so it makes sense to check the progress and appropriateness of your plans regularly. We suggest you do this annually. This way you will find out if your plans are affected by changes to legislation or taxation.
You will also hear from us if we have something that we feel will interest you.
WHAT OUR CLIENTS SAY
*To make sure we continue to provide excellent service we send a survey to each of our clients after we’ve helped them.
We ask them to describe our service in one word.
Ben Dellow2023-05-18Holly was brilliant in helping us secure our mortgage and guiding us through the transaction. She was always on hand to answer any questions we had and helped make the whole process as stress-free as it possibly could.
Kat E-maffei2023-03-08Highly recommended, very knowledgeable and professional, the whole process was completed within a week. Very efficient service.
G W2022-12-03Chris has supported in pulling together my retirement pension pots ready for draw down. Chris and the team always responds to any questions quickly and professionally and has delivered the first Phase of my pension plan exactly how I had asked. Brilliant service from Chris and the team I would highly recommend????????
Corey Ng2022-10-28We would highly recommend this company. Both Chris and Mark were extremely professional and they gave us excellent advice and service. Mark dealt with my mortgage and he was extremely knowledgable and my mortgage got approved in no time. Chris dealt with my mother’s property and communication with him has been brilliant. Thank you both for your help and we look forward working with you again in the future! Corey & Amy
James Wilkinson2022-08-24SIMPLY THE BEST! My wife and I were looking to make an investment and looked at a couple of finance companies. Citrus were by FAR the best. Craig was friendly, professional and EXTREMELY knowledgable and resolved all of our issues and questions finding us a great solution. I would recommend them in a heartbeat, in a word, FANTASTIC.
Chloe Walker2022-06-10We couldn’t recommend Cirtus Financial Management enough! They was recommended by a family member and we was certainly not disappointed. Holly Bettles was the best out there and didn’t have any issue with supporting us where needed (even with the most stupidest of questions!!). Considering this was our first time applying for a mortgage, it was the smoothest it could’ve been and that was down to her (she even set up support with our life insurance and wills, which reduced the amount of stress on our side). Would highly recommend and will certainly be using their service going forward.
Bev C2022-06-06So pleased we chose Citrus Financial after a recommedation. Holly Bettles was amazing. Her advice was amazing during what can be a stressful time. Her response times were great and she really took her time to understand us as clients. Can highly recommend and will be using her and Citrus in the future.
Benjamin Gardner2022-04-26I have been using Citrus Financial for a number of years to help with Mortgage advice and application. Their team are professional, courteous and efficient. I also know of friends that use them for pension and investment advice, with equally positive feedback on the company's services.
David Williamson2021-06-29Shirley from Citrus Financial has been nothing short of excellent from our initial enquiry right through to getting our mortgage offer and just recently completing our purchase. Shirley displayed true professionalism during the whole process and above all must have more patience than anyone I have ever met. I would never hesitate to recommend Citrus and especially Shirley to anyone looking for a financial advisor.
Hilmi Jaidin2021-06-05We had great service with our mortgage from Shirley at Citrus Financial. She was friendly, supportive, efficient and highly knowledgeable throughout the process, and I feel confident we ended up with a better product as a result. We recommend Shirley and the team at Citrus very strongly - you won't regret using them.
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Citrus Financial Management Ltd
For detailed information about our services and costs please read our Terms of Business and our Customer Privacy Policy. The guidance and/or information contains within this website is subject to UK regulatory regime and is therefore targeted at consumers based in UK.
Citrus Financial is a trading style of Citrus Financial Management Ltd, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.
Citrus Financial Management Ltd is registered in England & Wales No.04618393. Registered office: 2nd Floor Watermill House Chevening Road, Chipstead, Sevenoaks, Kent, England, TN13 2RY
Approver Quilter Financial Services Limited & Quilter Mortgage planning Limited 12/07/2023
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