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The Free Money Advice Service has been setup by the government to provide impartial advice on most financial matters but is particularly good on Equity Release. 

Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
This is a simple AgeUK Equity Release calculator which will help you find out how much an equity release loan would allow you to raise on your house.

Independent Financial Advisers - IFAs London

First Wealth

6 Broadstone Pl, Marylebone, London W1U 7EN, UK – 020 7467 2700

First Wealth provide a first class service. With Jamie Kyte and his team I know I’m in safe hands.

Capricorn Wealth Management

1 Queen Caroline St, Hammersmith, London W6 9YN, UK – 020 3111 0900

Very grateful for Karina's support and advice during my first home purchase. She made the effort to come and see me within 24 hours of having my offer accepted and talked me through everything in detail. She was also very supportive throughout the whole process and willing to answer all my silly questions. Would recommend working with Karina and Capricorn to a friend.

I feel extremely grateful to have spoken to James Dernier. He has been proactive in taking the time to explore and discuss a number of options that would suit my needs. He has made me aware of options that I did not know existed and has been great at answering any questions I have had along the way. The best thing about working with him is that he has always been reachable and ready to help which is great when working a full-time job. I am blown away by how easy it has been to work with him so thank you James!

Ascot Lloyd Financial Services

4, Cavendish Court, 11-15 Wigmore St, Marylebone, London W1U 1PF, UK – 020 3866 9730

I highly recommend the senior partner Jonathan Walne who is a brilliant IFA. The service is second to none: queries are dealt with the same day, he uses clear language a layman can understand and he always willing to talk things through on the phone when needed. The service includes two face-to-face meetings a year, one full written review and a six month valuation report. I feel this is good value for the 0.5% p.a. management fee and I have no hesitation recommending him to others.

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around London.
This is a revolution! We are used to going to a bank with a business plan and been lent money on very high rates of interest - but only under increasingly demanding conditions. Crowd funding is the public investing directly to the businesses - at all stages of their development. Crucially there is a huge range of projects and Crowd Funders. You could do worse than just read and then click some of the WiKi link below.

Crowd Funding and Business Loans

Virgin Start Up Ltd

66 Porchester Rd, London W2 6ET, UK – 020 7313 2002

Start up loans for pre start or up to two years old, backed by gov funding. The staff are fast, friendly and know their stuff. It is easy to speak to a local contact without having your arm twisted. The local contact in North Yorkshire is based in Scatborough but travels to meet people in Hull and York at least monthly they also help people starting a business who do not need finance, Yorkshire in Business.

I have been working with Virgin StartUp for a fair years now and it has been great. Great opportunities. They made the process of applying for a Virgin Start Up Loan very early on a non daunting process and the follow on support with matching me with a suited Mentor at that time was and has been invaluable. Always willing to offer information and with their support, advice and suggestions it has helped grow my business immensely. The Virgin Start Up team are creative, sharp, having the ability to help nurture and see potential in new fresh ideas. I would recommend to anyone thinking about getting in touch to apply for funding, not to think of reason why they can't; but reason why they can and should: to just do it; you have nothing much to loose and everything to gain! Darcy Ida

Rockstar Mentoring Group

1 Relton Mews, Knightsbridge, London SW7 1ET, UK – 0845 652 2905

These guys are brilliant. I got funding for my company as a result of their help and mentoring. I never would have met the individuals I met, without Rockstar mentors! Thank you guys


Third Floor, Glen House, Glenthorne Road, Hammersmith, London W6 0NG, UK – 0330 017 6352

Very professional and quick there decisions

Brilliant service, brilliant people!

Read current articles in MoneyWeek magazine.
C Hoare & Co

32 Lowndes St, Knightsbridge, London SW1X 9HZ, UK – 020 7245 6033

Hoare's Bank provides outstanding customer service, backed by the highest levels of integrity and security.

TSB Bank

68 Baker St, Marylebone, London W1U 7ER, UK – 020 7935 0016

Only two cashier desks and not even a paying in machine so sometimes have to wait a little while and the stuff is ok I would say just average but been to better TSB branches before.

TSB Bank

30-32 Westbourne Grove, London W2 5RW, UK – 020 8790 9991

One of the beaches open on Saturdays until 14:00.


Al Rayan Bank

77-79 Edgware Rd, London W2 2HZ, UK – 020 7479 1030

Very efficient services, the staff are extremely courteous knowledgeable and helpful. My favourite bank .Thank you to everyone who served me either at the tills or over the phone,superb customer service !!!

Very friendly staff. Nice bank .good halal products.


146 Uxbridge Rd, White City, London W12 8AT, UK – 0800 554 0296

I've moved from this branch. Although conveniently located on the north side of Shepherds Bush Green it has an annoying double entry door that doesn't always work very efficiently and it is easy to collide with people even though you're not supposed to be able to. Watch out if you're struggling with a wet umbrella. Why do these places hardly ever have a bucket to deposit them in. Can get super busy in here with a queue that never seems to move. You can also wait a long time to speak to an advisor.

Great customer service. Very friendly staff. Barely any queuing

NatWest Bank

183b King's Rd, Chelsea, London SW3 5EB, UK – 0845 788 8444

First class banking from one of the best NatWests in London. Their Customer Service Team is excellent and you always get a personal service which is so sadly lacking in some banks these days.

Brilliant and friendly service, considering changing my personal account to them.

Building Societies

The Chelsea Building Co

168 Earls Ct Rd, Kensington, London SW5 9QQ, UK – 020 7259 2247

Yorkshire Building Society

255 Kensington High St, Kensington, London W8 6NA, UK – 020 7602 0006

Nationwide Building Society

95 King St, Hammersmith, London W6 9JN, UK – 0800 554 0249

Mortgage Brokers

Trinity Financial

4th Floor, 1 Lumley St, Mayfair, London W1K 6TT, UK – 020 7016 0790

Oliver has been absolutely fantastic all the way through the process. He’s extremely knowledgeable, helpful and super-efficient. I actually began with another broker but switched after they never got back to me even after repeated phone calls. I couldn’t have been any more impressed with Oliver and Trinity Financial.

Absolutely outstanding service from a team of consummate professionals. I have dealt with Trinity on several occasions and their honest advice and military efficiency are invaluable. They are great with client communication and management, keeping you fully informed and up to date throughout the application and approval process. I would use them again and again - cannot recommend Trinity highly enough.

Fox Davidson Mortgage Brokers

45 Pont St, Knightsbridge, London SW1X 0BD, UK – 020 3519 5590

Excellent service from very knowledgeable brokers. We thought that we were consigned to the offshore market when we remortgaged, but Sarah Fox-Clinch found us a deal on the onshore market that was better than the options we had been looking at but which we had been told by various banks were not available to us. Prompt communication and quick to understand our needs. Efficient administration support. Good remote working (all communications by email or phone) so no issues with not being in the same location as the firm. Highly recommended and worth paying the broker fee.

After speaking to many mortgage advisers we were told it was almost impossible to get a mortgage with a stipend income. Pete and the team at Fox Davidson have made the process look easy! We are so happy with the service we have received, which has been prompt, friendly and well informed

Rose Capital Partners

94 Baker St, Marylebone, London W1U 6FZ, UK – 020 7935 7866

I have been dealing with Rita Benko at Rose Capital Partners in getting my mortgage for my first flat in London. I can honestly say that I have never dealt with anyone more professional than Rita, she is extremely hardworking with excellent communication skills, she keeps me in the loop all the time and is very reassuring. The fact that she responds to my emails straight away whether it's a Saturday morning or a Sunday evening is beyond me as I don't expect it at all but it's very clear that this is a person who goes above and beyond for her clients and she is very efficient with quick responses - even if she has to contact other people to get me the answers, she does it straight away. She has excellent attention to detail, remembers small details about my life and does everything she can to make this process simple for me. I am recommending Rita to all my friends and I will definitely be using her again.

Rose Capital Partners has dealt with my mortgage applications on two separate occasions. Each time they have been incredibly professional and have gone above and beyond in helping secure my house sale. They have also given me great financial advice. I would highly recommend them to anyone buying a property.


Springtide Capital

31 Lowndes St, Belgravia, London SW1X 9HX, UK – 020 3040 4400

Fantastic Financial Advisor who helped us with the mortgage. We would not have been able to get everything done in such a short time without Springtide Capital. Also very good for international clients

Dynamo Mortgages

1 Hammersmith Broadway, Hammersmith, London W6 9DL, UK

So easy and I really felt like I got an overview of what was out there and could pick the best one.

So good to be able to do this from home. Simple process. And no fee!

NatWest Bank

25 Shepherds Bush Green, Hammersmith, London W12 8PR, UK – 0345 788 8444

Helpful and nice staff, and generally nice atmosphere from the busy streets of Shepherd's Bush.