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Tim Sands MCSI 

Local Financial Advisor (North West)


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Over 26,000 people have been helped through this site from 50 top IFA firms

This service is free without obligation and allows you to explore your options without committing yourself however, if you choose to take the advice of a fully regulated advisor or IFA there may be a charge or fee.

"What I liked was finding out more about the changes to the pensions market that took place in 2015."

Steven Walker - Edinburgh

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"95% of IFA Direct Home's Pension Review Appointments resulted in the financial advisor being certain

that the performance of the pension could be improved"

Ryan Mellor, Co-founder IFA Direct Home

IFAs & Restricted Advisors

  • The first consultation is free and acts as a fact finding exercise to establish your needs and requirements. 
  • Consultations typically last around an hour.

100% unbiased

FREE first advice

  • IFA Direct Home will forward your details to a local financial advisor  who will make contact either the same day or within 24 hours. 
  • Consultations can take place either over the telephone or face-to-face.
  • All of our financial advisors and IFAs offer transparent pricing which means that the financial advisor will outline in the first consultation what the fees are before you make any firm commitment. 

Transparent pricing

  • All our financial advisors and IFAs provide unbiased advice. An unbiased IFA will review your current position and aim to find you a better product. If they cannot better your existing product then they will advise you to remain in your current position.

What to expect

Quick response

Independently rated

  • Independent Financial Advice can offer the full range of financial products and providers available.

  • Restricted Advisors have chosen to offer 'restricted advice' and will focus on a limited selection of products and/or providers. 
  • Both advisors are qualified exactly the same.
  • IFA Direct Home employs eKomi, that provides an independent and transparent feedback collection and management service. 
  • eKomi collects real customer reviews for shops, products and services. 

Do I need a financial advisor?

When it comes to making financial decisions, getting unbiased financial advice from a regulated financial advisor or IFA is crucial and could save you a lot of money in the long run.

Whether you are planning for your retirement, reviewing your pension, looking to invest funds or release equity in your home, a financial advisor can provide you with the right advice to make an informed decision. And because all our financial advisors and IFAs are regulated by the FCA you have peace of mind that you are receiving unbiased advice and if they cannot better your current financial position they will recommend you leave things as they are.

All investments come with an element of risk and the type of investment that is right for you will depend on the stage you are at in your life, the level of funds you have available, the level of risk you can afford to take and your overall aims and goals.

An investment advisor or IFA can provide unbiased advice on the types of investments available and recommend the right investment or savings plan for you.

Inheritance tax planning

Pension review

From April 2015, under new pensions flexibility rules you can now take some or all of the money directly from your pension pot at the age of 55, but only 25% of this will be tax free. You can also choose to buy an annuity or put your money into a drawdown.

But what is the right course of action for you and which will leave you in the best financial position during your retirement? A retirement advisor can review your financial situation and provide advice on the best option for you.

How much of your pension contribution is actually going towards your pension pot and how much is being eaten up by charges? Is your pension performing for you or is it losing money in any given year?

A financial advisors or pension IFA can review your current position, advise you on its performance and search the pensions market to find you a better deal that will leave you financially better off when it comes to retirement.

Retirement income planning

Inheritance tax is paid on the value of assets left behind when someone dies. If your assets (also known as your ‘estate’) are left to your spouse then no inheritance tax is applied, but if you leave your assets to friends or family and their value exceeds a certain amount they could be liable to pay inheritance tax.

A financial advisor or IFA can review your personal situation and help you to avoid passing on a large inheritance tax bill to your loved ones when you come to pass on your assets.

Investments and  savings

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While IFA Direct Home take every care in making their recommendation, any contract or agreement is between the selected financial advisor and the client. IFA Direct Home cannot be held liable for any failure on the part of either of the parties concerned. We provide access to both fully Independent Financial Advisors (IFAs) and Restricted Advisors and refer to both types of advisors as a 'Financial Advisor' throughout this website. Both types of advisors provide 100% unbiased financial advice. This means that in the event the advisor is unable to provide a better product then the advisor's recommendation would be to do nothing. IFA Direct Home is not authorised or regulated by the FCA.

Any questions? Talk to us on 0800 5200 817. Lines are open Mon-Fri: 9:00am - 4:30pm. 

RMT Group Limited, trading as IFA Direct Home, is licenced by the H.M. Government of Gibraltar for the provision of generating online financial services leads. License number BL160240. RMT Group Limited registered office is at Suite 3, Second Floor, Icom House, 1/5 Irish Town, Gibraltar GX11 1AA, with registered company number 112738. Copyright 2015 RMT Group Limited. All Rights Reserved.

If you are an Independent Financial Advisor or Restricted Advisor and would be interested in working with us. Click here to find out more.