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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 St Albans

KDW Independent Financial Planning

Centurion House, 136-142 London Rd, St Albans AL1 1PQ, UK – 01727 852299

Absolute brilliant service provided. All of my requirements were met and the best products sourced for me. Emily and David provided me with reassurance and responded to my enquires promptly, strongly recommend.

Jodi, dealt with my remortgage. I can not praise her enough. This girl is efficient, tenacious and above all, a very competent Lady. I spent six weeks with one company. Where I was pushed from pillar to post. Jodi had a mortgage offer for me in 7 days. KD Wright are very lucky to have you on board Jodi. You are an asset to the company.

St James's Place Wealth Management

Unit 4a, Hertfordshire Business Centre, Alexander Rd, London Colney, St Albans AL2 1JG, UK – 01727 226206

Lonsdale Wealth Management / Benefit Consultants

3 Curo Park, Frogmore, St Albans AL2 2DD, UK – 01727 845500

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around St Albans.
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

St James's Place Wealth Management

Unit 4a, Hertfordshire Business Centre, Alexander Rd, London Colney, St Albans AL2 1JG, UK – 01727 226206

Read current articles in MoneyWeek magazine.


M&S Bank London Colney

Barnet Rd, London Colney, St Albans AL2 1AB, UK – 0345 900 0900

Building Societies

We could not find any Building Societies around your location. Please click below to see full results from Google.

Mortgage Brokers

Lonsdale Mortgages Ltd

3 Curo Park, Frogmore, St Albans AL2 2DD, UK – 01727 845500

I have dealt with many different mortgage brokers over the last 27 years. If I was asked to recommend only one, it would be Stuart Wigley. I would have 100% confidence that I was recommending the best mortgage advisor available. Stuart is very easy to deal with, and has many years experience and lots of knowledge. Highly recommended. Mike from Raine and Co, St Albans.

Independent Mortgage Advice

318 Camp Rd, St Albans AL1 5PG, UK – 07958 450124

Cohen Paula

St Albans AL4 8XG, UK – 0870 760 6767

Mortgage Brokers - Key Questions

How much do mortgage brokers charge?
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around St Albans.

Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.  

How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around St Albans that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.

Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.


Herts Mortgage Services

Unit 5, Horseshoe Business Park, Upper Lye Lane, Bricket Wood, St Albans AL2 3TA, UK – 07719 641262

Affinity Insurance and Mortgage Services

11 Manor Dr, St Albans AL2 3DH, UK – 0870 991 3777

Greenleaf Mortgages

31 Newfield Way, St Albans AL4 0GB, UK – 01727 852673

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