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


1st Floor, 20 Little Britain, London EC1A 7DH, UK – 020 7065 2740

I have been with Money Wise for many years and would not hesitate to recommend them. They are professional, friendly and extremely knowledgeable. They deal with my Pension, Investments and ISAs and I feel confident with their advice and recommendations. In addition they are very approachable and they take a personal interest. Perhaps the strongest recommendation I have is the trust I have with them.

Have been a customer with MONEYWISE for some months now and have found them very helpful, always have my interests at heart. The Advisor and the other staff have very valuable and detailed knowledge and all my pension plans were fashioned to suit me and everything about me. I would recommend MONEYWISE to anyone thinking about their financial position and in need of advice. Thanks

Plutus Wealth Management

Bridewell Gate, 9 Bridewell Pl, London EC4V 6AW, UK – 020 7871 5200

I'm pleased to have got involved with a professional company like Plutus. Georgina & Ross have been excellent.

I cannot speak highly enough of Plutus Wealth Management and in particular Georgina Partridge. I have been a client with them for several years and their personal approach definitely separates them from their competition. They are a dynamic and engaging team with a strong focus on their purpose, which has always made me feel that I’m in very safe hands. Georgina constantly takes the time to understand my financial goals from a holistic perspective which we regularly review together, and it’s her honesty, professionalism and objectivity that I truly value and trust. I have recommended friends and colleagues to speak to Plutus about any of their financial concerns or objectives and I have no hesitation in continuing to do so. Fantastic service from a fantastic team!

Master Adviser

22 Chancery Ln, London WC2A 1LA, UK – 020 7440 6250

Outstanding attention to detail. First class.

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

Funding Circle

71 Queen Victoria St, London EC4V 4AY, UK – 020 7401 9111

Several years ago the Funding Circle provided First Technology Transfer with a loan to help develop our next generation real time programming courses. This year we approached them for a further loan to fund the development of a series of distance learning programs. We obtained a further loan. The whole process was dealt with courteously and professionally. Many thanks to all concerned.

Excellent service and perfect fit for our Company. We needed a short term loan to buy a property. The loan was set up and in our account within 2 weeks of making contact with Funding Circle. No obtrusive and irrelevant questions, just a straight forward approach with a very positive outcome - thank you


47-49, Cottons Centre, Tooley St, London SE1 2QG, UK – 020 7580 6060

It a n9ce office overlooking the Thames. From the Windows it's like you standing on the water!

Brilliant experience throughout. The experience of applying for a loan was smooth and the CS team helped me resolve my document issue thoroughly and were very friendly. Thank you :)


6th Floor, 55 Bishopsgate, London EC2N 3AS, UK – 020 3142 6226

An excellent service. I've never had a loan at such a low APR rate. I was over the moon when I was accepted for £4300. Like most people applying for credit my heart was in my mouth waiting. I applied online on a Sunday which probably didn't help matters. Who cares? 48hrs give or take, I was accepted and the next day I had the money in my account. I love how I'm debited as normal from my bank account but I can also add extra payment whenever I want + clear the dept completely the original set rate when ever I want! Big banks take note!!!

More than happy with every aspect of my loan. Never had a loan before so was a little unsure but they made it so straightforward. Would definitely recommend this service.

Read current articles in MoneyWeek magazine.
Danske Bank

75 King William St, London EC4N 7DT, UK – 020 7410 8000


Lloyds Banking Group Offices

Red Lion Court,, Red Lion Court, 46-48 Park St, London SE1 9EQ, UK

Nice building but needs some flowers as well a good cleaning Light fixtures look 60s

Westpac Banking Corporation

Camomile Court, 23 Camomile St, London EC3A 7LL, UK – 020 7621 7000

Fantastic service! Staff were incredibly well informed, helpful and efficient. Having wasting considerable time trying to open an online account with another Australian bank, it was an absolute joy to find one that would do everything face to face. Thank you Westpac!

Excellent. Efficient and fast..


Brown Shipley

Founders Court, Lothbury, London EC2R 7HE, UK – 020 7606 9833

Very nice people.

Love working with the people in Brown Shipley

Al Rayan Bank

97-99 Whitechapel Rd, London E1 1DT, UK – 0800 694 7161

ok bank can see opportunities for them to improve or a competitor to come along

So happy with them, thanks for the best serves you are offering us.. Good luck


1 Carter Ln, London EC4V 5AN, UK – 020 7246 4000

Best bank in the world

Good service

Building Societies

Building Societies Association

York House, 23 Kingsway, London WC2B 6UJ, UK – 020 7437 0655

Decent rooms for hire


101-107 Finsbury Court, Moorgate, London EC2A 1RS, UK – 0800 554 0216

very friendly and helpful Nationwide branch, has 3 cash machines inside. swapped from a Natwest account holder to Nationwide and its been great.

The service here is always friendly


1 Aldgate, London EC3N 1RE, UK – 0800 554 1284

I phoned up to ask about their policy in accepting old pound coins, the chap I guess called “Chris” was so friendly over the phone that not only I walked in but switched my current account after he explained how else I could gain. Everyone was friendly. I am glad to have them in the community. Branch manager is a cool chap too. All the best.

I visited the branch one morning without an appointment as some banking documents became known to me last minute, for an official application due that same afternoon. The representative who spoke with me was Tarkan, who was professional, helpful - a breathe of fresh air compared to other official and commercial personnels I've had to deal with that week. He helped produce as many documents as he could to meet my documentation requirements. I've just had a successful application outcome for the matter! Much thanks to Tarkan I'd say. :) The branch is super swish and you get served in a 'coffee shop' setting (can't remember but I think they did offer proper coffee, too!), very interesting banking style.

Mortgage Brokers

Capital Fortune - Mortgage Broker London

128-, 129 Cheapside, London EC2V 6BT, UK – 020 7710 0400

I cannot thank Capital Fortune enough. Even though we only required a 50% mortgage, run our own business, incomes and credit histories - due to a recent company sale I wasn't able to get a mortgage from a high street lender. I was really shocked and couldn't understand. I found Capital Fortune online and after a telephone call with Peter Bartlett they said they thought they could arrange a mortgage - and at a normal interest rate. From that point forward they quickly followed through, the decision in principle was in within a few days. Then a full and comprehensive list was sent through of the documents required, our administrator Alex Fryday updated us at every stage, he was always available when I called - I didn't have to leave a message or wait in a hold system queue! The final stages were managed through by Stephen Marsh and we had the same level of support and great service as the other guys in the team. I run my own business and I have been totally impressed by the service. They did exactly what they said they would, they were on the telephone when needed, kept us fully updated and we are really grateful to Peter, Alex and Stephen and cannot recommend them highly enough.

Excellent communication skills and attention to detail. Rob Killeen, Stephen Marsh and Garry Skimins all excellent

John Charcol

5 Cutlers Exchange 123, Houndsditch, London EC3A 7BU, UK – 0330 134 5467

Fantastic service in all our dealings. Patient and supportive, Nick went above and beyond to aid us through our first time buyer process.

We used John Charcol to remortgage our property. The process was seamless and our mortgage adviser kept us in the loop throughout. Their specialist skills and experience dealing with complex cases means you really are in safe hands!

L&C Mortgages

4th Floor, 38 Lombard Street, London EC3V 9BS, UK – 0800 953 0304

Mortgage application is currently in process. The initial adviser was very helpful and informative but the new case manager fails to acknowledge any emails which is pure rude. Is is as though they have my business so customer services is now out the window. The claims tracker is not correctly maintained. I work in a digital environment where customer experience is top of the list and there is definitely room for improvement at L&C. Review will be updated once the process is complete and rating changed accordingly dependant on future level of service. Come on L&C; it's easy to acknowledge your customers.... I must admit to now being nervous after reading many of the reviews. Fingers crossed the comms gets better...


Alexander Hall Shoreditch Mortgage Broker

86-90 Curtain Rd, London EC2A 3AA, UK – 0800 038 3736

Comprehensive knowledge and super efficient! I had a challenging buy-to-let mortgage requirement which was complex in execution, and my previous broker failed in identifying banks which could do the deal. Alireza at Alexander Hall then came into the picture, we had the mortgage offer in a very short and painless process and at an incredibly competitive rate. Since then I've had three mortgages with Ali, including my own home. He's knowledgeable, warm and extremely professional. I would never go with anyone else and cannot recommend him and AA enough.

Great service. Advised us on two buy-to-let mortgages in an efficient manner with favourable rates. Very friendly and professional. Cannot recommend Ali enough.


Trussle, 300 St John St, Clerkenwell, London EC1V 4PA, UK – 020 3884 1660

I've never applied for a mortgage before, and the endless comparison sites, fine-print, and conflicting services were a headache before I began. Should I get a mortgage broker and pay £500? Should I just strike out and go with the nearest bank? Then I hard about Trussle on Radio 4, tried it out and it's been amazing. For starters, the interface is very well designed. You sign up and answer questions about your planned purchase. These questions are clear and easy to answer, unlike the market comparison sites. Once you're done, one of the team calls you and makes sure all the answers are complete, and your questions are answered. Documents are uploaded to the service easily, and the history of your account od kept online for you to check in on if needed. Over the course of the mortgage process, the team keeps in contact - often doing a far better job of keeping you up to date than the mortgage provider or the estate agent themselves! And they stay on the ball effortlessly, not needing prods and follow-ups like solicitors, mortgage providers or estate agents do. Also, they maintain your account information properly, meaning they don't keep asking you the same questions over and over, like everyone else in the process does. The whole process took maybe 5 weeks in total, including the home valuation and background checks that organizations have to perform. And the kicker? The service is entirely free! I would never use another method of getting a mortgage, these guys are simply the best.

I was dealt with efficiently from the outset and given a choice of potential lenders without having to trawl through multiple sites. Once my lender was selected there were a few subsequent issues with documentation and the total amount that could be borrowed. However Joe and Giacomo provided suitable advice at every stage and helped move things forward to a successful completion. I've already recommended Trussle to other friends looking for a new mortgage deal.


14 Gower's Walk, Whitechapel, London E1 8PY, UK – 0330 223 0996

I used Habito to get my mortgage with Halifax. The whole process was so quick and simple. I much prefer dealing with things online and this was perfect for me. We wanted an answer quickly as the house we were buying was empty with no chain. Samuel was the expert that advised me on the Tuesday and I had my offer in the post on the following Monday. I will use them again and I highly recommend them for a hassle free quick process.

First time buyer and an offer received today, Habito have made the whole process so easy (what seemed too easy at times), from uploading documents to answering any and all levels of questions. The whole process from getting an offer accepted on a house to receiving a mortgage offer took less then one month. Couldn't rate them enough and would definitely recommend