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Personal Finance

Online Business Directory

The following online business directory lists companies that provide a range of Personal Finance services including financial advice, mortgage brokers, debt collection, pension advisor's, tax preparation and more...
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The Business Directory Ranking Process

  • We have 3 Listing Types - (Lifetime, Premium and Free ). Our Directory system automatically ranks listings first by Membership Type....
  • To find out about Membership Types see our business advertising options.
  • All Listings are then prioritised using a 'Ratings & Review Score'.  We believe Star Ratings and Reviews from customers or suppliers fairly measure the trustworthiness and dependability of a company.
  • Listings with Reviews are automatically listed above listings with No Reviews.
  • In other words, businesses with Reviews are shown at the top of the page (within their Business Category and within their Membership Type) and thus enjoy the highest Click Through Rates from visitors to the Directory
  • If two listings (in the same Category) have an Identical Rating Score, the business listing with the Most Reviews will rank higher than the Business with fewer reviews.
  • Other companies with No Reviews are then ordered by 'Most Recently Submitted' to the Directory.
  • The owners of these newly listed organisations may not have had a chance to ask their customers or suppliers to post a positive review yet.
  • In summary, the Overall Star Rating Score for each rated Business is calculated using a combination of the Total Number of Reviews combined with the Average Numeric Score of all Rated Reviews for that listing.
  • Share Your Views: if you have already enjoyed a good experience when dealing with an organisation shown on this website, please click on their Business Name to see their Company Webpage...  then click/ hit the Write a Review button
The Business offers Mortgages, Pensions and Wills aimed at customers in the Belper. We recognise that each client is truly unique with their own personal finance aims...
Creamfinance is a leading technology-driven consumer loans company. Creamfinance provides financial assistance to customers in need of convenient and speedy access to personal finance when its needed most...
Easy Loans UK, a reliable credit lending company in the UK marketplace offering a wide range of loan options for different purposes at reasonable interest rates and easy repayments...
Realise your Dreams hear without no worry of financial scarcity! We access loans for tenants, no fee no guarantor loans, and loans for those with bad credit or unemployed...
MAS specialises in saving customers money and offering peace of mind through remortgages and insurance...
Personal Loans, Business Loans, Tax Loans, Pension Loans, Lease/Leasing, Hire Purchase, Easi-Lease, and Aged Debt Funding...
Our reverse mortgage pros will give you a free assessment to determine whether or not a reverse mortgage is the right option for you...
We specialise in car and van finance for Businesses and Private Individuals - offering extremely competitive rates and packages...
AutoeBid offers the best new car deals and car finance deals for you from reliable 5 star UK suppliers at the lowest possible prices....
We provide short term instalment loans and payday loans to customers over 1-6 months. You are able to apply for £200-£750. New customers are capped at £400 ...
Independent financial advice company providing pension advice and retirement planning for clients throughout the UK. Offices in Glasgow and London. Free initial consultations...
Here at Bridgingloans.co.uk we are a finance broker and bridging loan funder that has been around for over ten years, earning a reputation for a great service, speed and commitment to our clients.
Here at BridgingLoan.uk, we aim to provide the bridging loan that you need in order to bridge the gap in your finances....
First Vehicle Finance provides you with the opportunity to get yourself your first car without any hassle.....
It IS Your Money are UK specialists at making claims against mis-sold policies such as PPI, Investments, packaged Bank Accounts, FSAVC's and pensions....
Personal Money Service is a trustful representative of the online lending industry. We cooperate with the most reliable direct lenders...
We are a responsible direct lender, providing short term loans. Our loans can help cover any unexpected expenses or temporary cash-flow problems...
We offer Personal Loans for UK customers. We can help you if you have a bad credit history, have been declined by major banks, and need to borrow money....
WillPack are a back office Will Writing company specialising in producing legal documents for estate and financial planning professionals....

Overview of the Personal Finance Industry

The personal finance industry is made up a huge number of specialist financial organisations which provide products and services that can help individuals and families manage their financial assets and affairs. Personal Finance products are meant to cater for the lifestyle needs of consumers and families. For example, the ability to borrow, plan and budget, save, invest and spend money are all made possible by personal finance products and services.

The personal finance industry is a complex and highly regulated area of any economy. Most countries have different regulatory arrangements, regimes and central registers of money management companies. These protect consumers rights by making it harder for rogue firms to operate, as well giving consumers the knowledge and confidence they are dealing with an 'approved' firm. Similarly, many countries require any individuals offering personal financial advice to have minimum levels of professional proficiencies, qualifications and gone through personal background checks before being allowed to advise.

The industry has high levels of competition and innovation. This has led to a seemingly endless series of financial choices for consumers. For example, the growth of price comparison websites (or 'financial aggregator's as they are sometimes referred), has caused some controversy by leading consumers to believe the cheapest deal is always the best and most appropriate deal for their individual circumstances. Yet millions of consumers have turned to price comparison services to take advantage of easy-to-use comparative features and click and buy functionality. Many of us choose to buy financial products online (rather than seek professional advice), to download policy documents quickly and cheaply.

Many qualified independent financial advisers may be able to give research advice and guidance on product range. Most 'tied-agents' financial brokers are authorised to sell selected products (such as mortgages, loans, savings accounts, household insurance overseas, income protection and life insurance). Professional advisers are indispensable in highlighting differences in product features and the level of risk associated with a financial decision. Many products are created and marketed based on life changing events or situations (such as an imminent birth, buying a new home, redundancy, imminent retirement, or unexpected health issue). Other products are designed and marketed to assist consumers who have an immediate lifestyle need (such as get hold of a payday loan, car finance or a debt consolidation).

Most interviews with an advisor will start with a comprehensive 'fact find'. This aims to establish a consumer's financial goals, attitude towards risk, personal financial circumstances, and then highlight the advantages and disadvantages of possible product solutions available. This process helps to identify inflows and outflows into a household, to ensure products offered are affordable and suitable for the consumers need. This budgeting process is vital as most personal financial products are charged on a recurring basis ( such as annual household insurance policy, or a monthly mortgage repayment).

A professional financial adviser is great at helping to identify all aspects household budgeting that consumers themselves may overlook (but may which seriously affect the affordability and suitability of future product selections). The focus of personal finance is to ensure household security is underpinned by reserves (from and excess of salary and savings inflows after household expenses have been taken into account). This involves much budgeting, planning, transaction recording and tracking to ensure any financial plan is suitable for the long term.

When consumers getting financial difficulty, there are a host of personal finance companies who can help. For example, debt management companies, bankruptcy services and financial consultants may be able to put in place a product that lowers total debt or monthly debt repayments. Conversely, when affluent consumers have in excess of disposable income, there are a host of specialist providers set up to help spend and invest their money. These include online trading platform providers, offshore services, inheritance services, financial planners, personal taxation services and pension advisors. There are huge numbers of companies providing products and services to help consumers spend money (such as credit and debit card companies). There are also many service providers helping consumers exchange currency and transfer money.


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