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Get in touch

Steven Clarke

DipPFS

Financial Adviser with True Potential

Penicuik, Midlothian
Headshot of Steven Clarke

I have worked as a financial adviser for 25 years. For the last 11 years I have been self-employed offering advice over various areas of financial services including mortgages, protection, retirement planning and investments.

Recognising the changing nature of the financial sector, I have chosen to specialise in providing high-quality guidance on residential and buy-to-let mortgages, alongside comprehensive protection solutions for individuals and businesses. This includes safeguarding against life’s uncertainties such as death, critical illness, and loss of income.

My approach is client-focused and highly personalised...

I take the time to understand each client’s unique circumstances and objectives, ensuring that my recommendations are both suitable and aligned with their long-term goals. My priority is to deliver clarity, confidence, and satisfaction throughout the advice process.

Away from work, I'm a keen golfer (I'm no Rory McIlroy) but enjoy it all the same since stepping away from playing and coaching football. I'm married to Samantha and have 2 fantastic, independent daughters, Abby and Jenna along with our family Australian Shepherd, Belle.

Qualifications
  • FP1, FP2, FP3, MAQ, R01, R02, R06 - CII - 11/06/2012

My Services

Mortgages & Borrowing

Mortgages & Borrowing

Whether you are a first-time buyer or have a property portfolio, with the vast array of products and lenders, I can provide the specialist advice you need.

Protection

Protection

I can provide protection cover in the various forms of life, critical illness, and disability solutions as well as guidance on Inheritance Tax.

Why True Potential?

We are award winning

Our aim is to revolutionise the way wealth management is delivered. We believe that by using award winning technology to deliver financial services, we empower financial advisers and their clients to take control of their futures.

We are award winning

20 awards
20 industry awards won in 2025

Find out more

We provide innovative investments

Whether you’re aiming to pay off your mortgage, cover university fees or just grow your money our Portfolios use a pioneering approach known as Advanced Diversifications to find opportunities for growth that others can’t replicate.

We provide innovative investments

£37 billion
Invested with over 600,000 clients

Find out more

We build revolutionary technology

Our clients can check their investments 24/7 and top up anytime with impulseSave. They also get access to exclusive features like True Potential Rewards, which enables them to earn cashback from over 4,000 retailers.

We build revolutionary technology

10 million
Over 10 million logins in 2025

Find out more

Get Started

Get in touch

Reach your True Potential.

We all have goals in life that we would like to achieve, these can range from long term retirement plans, being able to grow your finances, or to give something to the next generation. However, the longer you wait to act, the more difficult if could be to achieve these goals.

Please get in touch and I can help put together a plan to set you on the right path to achieving your financial goals.

Call me on 07919620222

How can I help you?

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Client testimonials

Hazel

Professional and Approachable

We can't thank Steven enough for helping and guiding us through our successful mortgage application. He is the epitome of professionalism in a very friendly and approachable manner. We would recommend his services.

Joe

Brilliant Service provided by Steve.
Steve is a great guy to speak to and deal with. A lot of the financial jargon goes over my head but Steve took the time to sit down and explain it all to myself and my wife in a way we would understand. I can’t recommend Steve highly enough.

Katrina

Steven is an absolute life-saver. We had a very complicated mortgage thanks to self-employed status, a listed building and also a lot of issues that came up with the property during conveyancing.

Keith

Great Mortgage Advice and Manner

Steven was very professional and helpful when organising my mortgage for me. He also has a friendly approach that helps you to relax during a stressful time! I basically left all the sorting to him and got on with looking for a place.

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