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Independent Financial Advice

We pride ourselves on our jargon-free independent financial advice. Let us take the stress out of your finances, and discover why so many people choose us to help them achieve financial freedom, today.

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Equity Release

Equity Release can free up funds for home improvements, tidying up your debts, increasing your income or even helping your children or grandchildren to get onto the property ladder.

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Life Cover, for life's unexpected events.

Life insurance helps give your family financial protection should you pass away within the policy term. It lets you leave a lump sum behind – helping your loved ones maintain their living standards or pay mortgage costs.

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Mortgages and Remortgaging

Save time and money on your mortgage by letting us compare the whole of the market to find your the best deal. Our experienced team of friendly Mortgage Advisors will work with you to take the stress out of searching for the best deal.

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Business Advice

We offer a wide range of business services to help you grow and support your company. We can offer help, advice and guidance around commercial finance, director's share protection, group health protection and many more areas.

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Debt Advice

We help obtain the best advice for both companies and individuals on all elements of personal and business debt. We guide you to you to the right professional help, tailored for your circumstances.

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Welcome to 121 Financial Advice, your experts in independent financial advice.

We have many years of experience providing practical financial and planning advice to individuals, families, and businesses across all of the United Kingdom.

We pride ourselves on a friendly and approachable manner – no jargon.

We provide advice across various services – including mortgages, life cover, equity release, and debt advice. We’re experts on each of them.

We are committed to putting clients and their dreams at the heart of everything we do and are proud to have developed lasting relationships through our work. We have achieved this by ensuring that we understand the individual needs of each applicant. We have extensive, in-depth knowledge of the financial market. We will use it to find solutions and agree on a way forward with you. 

Our objective is to help individuals and businesses to achieve their financial goals. We believe our approach is straightforward. You tell us about your financial situation and about your financial objectives and when you want to achieve them.

We’ll develop a practical plan designed to help you meet those objectives. We’ll discuss the plan with you and agree on the course of action you want to take. While the final decisions are, of course, yours, we’re here to help and guide you with jargon-free advice both now and in the future.


“A 5 star service from 121 offering an excellent service all round. 121 helped with our mortgage and also offered insurance service which we accepted. Very clear and accurate with all advice provided. All costs for their services reasonable and transparent.”

AC – Director

“Could not recommend a better mortgage adviser. 121 took us through it all step by step and explained everything along the way always staying in touch and keeping us updated. Our situation was a difficult one but was no problem for 121. If you need good mortgage advisers look no further.”

SG – Accountant

“121 were a great help arranging our mortgage, they explained everything in great detail at all stages. Quick to reply to any questions we had and got us a great offer. Would use their services again.”

KD – Youth Worker

As a mortgage is secured against your home, it could be repossessed if you do not keep up the repayments on your mortgage.