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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 Hemel Hempstead

Key Independent Financial Advisers Ltd

1 Lombardy Cl, Hemel Hempstead HP2 4NG, UK – 01707 326123

Sirrus Financial Planning

1a High St, Kings Langley WD4 8LB, UK – 01923 264992

A+ Financial Services

Unit 16 Sovereign Park, Cleveland Way, Hemel Hempstead HP2 7DA, UK – 01442 347850

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

We could not find any Crowd Funding or Business Loans around your location. Please click below to see full results from Google.

Read current articles in MoneyWeek magazine.

The Marlowes Shopping Centre, Marlowes, Hemel Hempstead HP1 1DX, UK – 0345 740 4404

Good but not enough staff at times

Metro Bank

56-58 Marlowes Centre, Hemel Hempstead HP1 1DX, UK – 020 3402 7640

I moved from Barclays bank to these guys for a business account. They were SUPER helpful and quick. I have never seen such great friendly and kind service. I was able to setup a business quickly and they even printed me a business bank card on the spot with pin number within 5mins. I highly recommend them

Very nice bank, well decorated, friendly staff, kids friendly bank. Always trying to keep happy the customer. Worth visiting at least you will get one lollypop :p Looks like they are targeting kids and trying to attract with nice offers, give away.


225, The Marlowes Shopping Centre, 227 Marlowes, Hemel Hempstead HP1 1BL, UK – 0345 600 3934

Always helpful at the hemel branch. Recently called the customer service as an ATM from Metro had taken £60 from my card but didn't give me the money and they were super helpful. Money was back in my account within 48 hours. Great service thank you

I rang up with a query and at first was told that what I thought should happen does not happen anymore. I did have a feeling I was correct, the member of staff said she would check and get back to me. This she did in a short time and she said that what I had said was was current banking information and she thought legislation was different. She apologized and was incredibly polite and helpful. It so refreshing not to be made out to feel like you are in the wrong and even better to get an apology for it. I do wish more companies/banks would be so honest. Well done Halifax.


Lloyds Bank

198-200 Marlowes, Hemel Hempstead HP1 1BH, UK – 0345 300 0000

Excellent service friendly and competent staff

Really good behaviors


164 Marlowes, Hemel Hempstead HP1 1BA, UK – 0800 554 0612

Wow ! I set my bank account up on Saturday and am already set up with a card ! What an amazing branch !! I rate this a five ! They are so helpful and really nice to be with !

Barclays Bank

11 Bank Court, Hemel Hempstead HP1 1BX, UK – 0345 734 5345

Went with someone who wanted to pay a load of loose change in that was bagged up in money backs but not complete bags, therefore wanted to use the machine to drop the coins in. Instead the assistant came over and said you can pay large amounts of change in at the counter. This made life so much easier. Have been to other branches and been told it can only be paid in at the counter if complete full bags. Very polite staff.

How times have changed with modern tech. I have been with Barclay's a few years .and although I prefer buying things with cash , card is nessecary with bills etc . i regular misplace cards over last few years. What I like about Barclay's is you receive card etc quick , very good with security protection/fraud. And staff are very helpful when you have to use the electronic machines or pay cheque in when you rarely do it . they are lovely x

Building Societies


164 Marlowes, Hemel Hempstead HP1 1BA, UK – 0800 554 0612

Wow ! I set my bank account up on Saturday and am already set up with a card ! What an amazing branch !! I rate this a five ! They are so helpful and really nice to be with !

Mortgage Brokers

Independent Mortgage Associates Ltd

20-22 High St, Hemel Hempstead HP1 3AE, UK – 01442 262332

3rd time we have used them, and wouldn't use anyone else. Always fast turnaround and always very helpful, Ian has always been great with dealing with us.

James was very helpful and professional in helping us arrange a mortgage as first time buyers. I will not hesitate to recommend IMA in the future!

One Stop Finance Hemel

Charleston House, 13 High St, Hemel Hempstead HP1 3AA, UK – 01442 232272

Mike at one stop finance is the best mortgage broker I’ve come across. Apart from being a thoroughly nice man he’s a knowledgeable professional who’ll do everything he can to help you get what you need. There’s a few other good brokers in this shop too but he’s the one I’ve used the most. Try this local business for truly independent advice before you ring any national company or go through an estate agent or bank who only sell their own products.

Very pleased with the service Mike and Denzel offered. We are first time buyers and he made the process very smooth and efficient. As well as being really friendly and helpful he went the extra mile to respond to emails and phonecalls and can't thank them enough. I agree with the last review and highly recommend them.

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 Hemel Hempstead.

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 Bobsleigh Inn 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.



The Marlowes Shopping Centre, 9 Bank Court, Hemel Hempstead HP1 1BS, UK – 0345 788 8444

The service is always good and staff cant do enough for you. Great branch

Very easy to deal with this bank. Customer care always helpful.

Maxted & Bareham Financial Services Ltd

Hamilton House, 111 Marlowes, Hemel Hempstead HP1 1BB, UK – 01442 212600

Tudor Mortgages

45 St John's Rd, Hemel Hempstead HP1 1QQ, UK – 07719 047900