Bespoke mortgage broking and holistic wealth planning from One Canada Square. Transparent fees, specialist advice for complex incomes, and evening consultations until 9pm.
Transparent pricing, hours designed to respect demanding City work schedules, and a comprehensive advisory suite kept strictly under one roof.
We offer transparent, low-cost or zero-fee advice. Under our Multi-Advice Process, taking two simultaneous services removes all upfront mortgage and protection advice fees. Backed by our match-or-beat fee guarantee.
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Sensitive family and financial matters are difficult to discuss during core office hours. We accommodate City traders, lawyers, and corporate professionals by staying open until 9:00pm Monday through Thursday.
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No handing off to disparate third parties. From complex mortgages and pension drawdown to investment fee management, tax mitigation, wills, and trusts, your entire financial roadmap is managed cohesively.
View Full Service Suite →Independent fiduciary guidance designed to save interest, protect your family, and compound capital efficiently.
Residential purchases, first-time buyers, remortgaging to avoid high Standard Variable Rates, product transfers, and limited company buy-to-let structures.
Tailored portfolio construction based on rigorous risk profiling, loss aversion analysis, ISAs, OEICs, investment trusts, and inheritance tax mitigation.
Consolidate fragmented historical pension pots, mitigate the 60% income tax trap, structure SIPPs, and establish tax-efficient flexible income drawdown.
Protect your family and income against unforeseen illness or incapacity: Income Protection (up to 70% gross salary), Critical Illness, Life Cover, and Key Person policies.
Preserve wealth across generations. Establish Discretionary Trusts, Property Protection Wills, and Lasting Powers of Attorney (Health & Welfare / Property & Affairs).
Unique single-issue or family wealth sessions. Ideal for resolving complex multi-party trust questions, business director pensions, or ad-hoc second opinions.
Where earnings are structured rather than standard salaried PAYE, high-street bank algorithms default to conservative multiples or outright refusal. We understand the minutiae of London remuneration.
We work directly with premier teams and specialist underwriters who assess discretionary annual bonuses, quarterly commission, Restricted Stock Units (RSUs), and company director dividend structures at up to 5.5× to 6.0× earnings.
Annual bonuses, overtime, day-rate contractor multiples, and multi-currency earnings assessed intelligently without arbitrary discounts.
Pragmatic private bank lending for clients with £170k+ net income or £430k+ assets, offering bespoke asset-backed affordability.
100% bonus recognition where possible across 1-to-2 year track records, avoiding the 50% automatic haircuts of high-street lenders.
Designed for Canary Wharf traders, stockbrokers, and corporate financiers with RSUs, deferred cash bonuses, and future employment contracts.
From initial exploratory conversation to loan completion and proactive renewal management.
An exploratory meeting in person at One Canada Square, via secure video link, or by phone until 9:00pm. We review your goals and verify feasibility without fee or obligation.
We cross-reference criteria from 340+ lenders and investment panels, modeling affordability, tax exposure, and interest savings to formulate your bespoke strategy.
We submit your formal application, liaise with underwriters, surveyors, and conveyancing solicitors, resolving queries swiftly to secure your formal offer without delays.
Six months prior to your fixed rate expiring, we automatically contact you to re-evaluate the market and secure the lowest available rates before higher SVR rates trigger.
“When a Senior Equity Research Director at an investment bank required £1.45M for a residential acquisition in Wapping, high-street lenders declined to count unvested RSUs and discounted variable performance bonuses by 50%. By presenting the client’s audited compensation schedules directly to a private bank specialist underwriting team, we secured formal mortgage approval in just three working days — at £0 upfront advice fee under our Multi-Advice guarantee.”
Open Financial Advice was established to replace impersonal call-centre broking with rigorous, qualified director-level counsel.
Aaron Tyson (DipFA, CeMAP, CeRER) brings over 15 years of specialised experience across UK lending, investment governance, and protection underwriting. Unlike captive bank representatives, our advice is whole-of-market and bound by strict fiduciary duties under the Financial Conduct Authority.
5.0 ★ average rating across 132 verified Google reviews from London homebuyers, bankers, and families.
“We engaged Aaron back in March when we first started our property search, and he has been phenomenal throughout the entire process. His patience, dedication and genuine commitment to helping and guiding us while we searched for the right property have been second to none. Since our offer was accepted on Tuesday, Aaron has been incredibly thorough with his communication and proactive every step of the way. By Friday, he had already secured our mortgage offer — an amazing turnaround!”
“Aaron has been incredibly supportive throughout the process of purchasing my first property. He has been patient throughout and explained everything in a really clear and comprehensive way, which made the whole process feel far less overwhelming. He always made sure I felt on top of everything and worked hard to secure the best mortgage deals possible. He was also consistently quick to respond and proactive in resolving any issues that came up along the way.”
“Aaron has helped my family through a complex remortgage (soon to be finalised we are confident). He was attentive and patient, and was able to listen carefully to the needs of the various parties involved and eventually advise on the right solution to benefit all. I feel his comprehensive financial expertise and broad market access was invaluable in securing a relatively niche product to fit our unique situation.”
“Aaron provided an incredible service throughout the process. He was consistently proactive, responsive and clear. Any questions / doubts we had he was able to answer and provide thoughtful and accurate guidance. The entire experience was made far easier from start to finish throughout. I thoroughly recommend his services for anyone looking for guidance when purchasing a property.”
“Aaron helped us get a mortgage for our first house, but he also did so much more than that, and we couldn’t be happier with the service he provided. Aaron is extremely professional, goes above and beyond, and makes sure that throughout the house buying process you’re informed about every step to come. He was available for all our questions over email, WhatsApp and phone. We would highly recommend working with Aaron!”
Concise, direct answers to common queries regarding fees, remortgage timing, and lender criteria.
Under our Multi-Advice Process, mortgage advice is £0 (free of upfront charges). When you combine two or more services (such as a mortgage alongside life or income protection insurance), we waive all upfront mortgage broker fees entirely. For standalone single mortgage advice, we charge an upfront fee of £300 backed by our Match-or-Beat Guarantee. Pension and investment fees are funded through asset remuneration capped strictly under 2.0% p.a.
Yes, we conduct consultations until 9:00pm Monday through Thursday. We recognise that City finance professionals, lawyers, and corporate directors cannot easily step away from desk responsibilities between 9:00am and 5:00pm. Consultations can be scheduled at our One Canada Square offices or by telephone and video.
Your loan reverts to the lender’s Standard Variable Rate (SVR), which is significantly higher. To protect your monthly cash flow, we proactively contact all clients six months before their fixed period expires. This allows us to compare your existing lender’s product transfer options against all 340 UK lenders and lock in optimal interest rates in advance.
High street banks can only offer their own restricted mortgage products. In reality, each lender calculates affordability, bonuses, and commission differently. An independent whole-of-market broker surveys hundreds of products, private bank facilities, and broker-exclusive rates that high-street branches cannot access.
Complimentary exploratory meeting in person at One Canada Square, via telephone, or video call. Evening times available until 9:00pm.
| Monday | 9:00am – 9:00pm |
| Tuesday | 9:00am – 9:00pm |
| Wednesday | 9:00am – 9:00pm |
| Thursday | 9:00am – 9:00pm |
| Friday | 9:00am – 5:00pm |
| Saturday & Sunday | Closed (By Appointment) |
