Independent Advisory Solutions Under One Roof
Whole-of-market mortgage broking, fee-capped wealth management, pension consolidation, and statutory protection delivered with total fiduciary impartiality from One Canada Square.
Whole-of-Market Mortgages & Remortgages
Independent mortgage broking across all 340 UK regulated lenders, regional building societies, and exclusive private bank facilities.
Our role is ensuring lending is secured at the keenest possible interest rate for your specific circumstances. We handle the paperwork, affordability modelling, and legal coordination from Agreement in Principle through to loan drawdown.
- Residential Purchases: First-time buyers, home movers, and high-LTV options.
- Proactive 6-Month Rate Reviews: Automatic renewal notifications 180 days before your fixed rate ends to prevent Standard Variable Rate hikes.
- Buy to Let & SPV Portfolios: Limited company ownership versus personal name tax efficiency modelling.
Fiduciary Investments & Fee Capping
Uncompromising investment governance with total ongoing collective costs strictly capped under 2.0% per annum.
Typical retail advisory firms and wealth managers levy layered fees totaling 2.4% to 6.0% p.a. between advice, platform, and discretionary fund manager fees, quietly eroding long-term compounding. At Open IFA, our complete collective fee footprint is capped below 2.0% p.a. — often significantly less.
- Tax-Efficient Wrappers: Full utilisation of £20,000 ISA allowances, Junior ISAs (£9,000), OEICs, and onshore/offshore bonds.
- Rigorous Risk Profiling: Empirical assessment across Conservative, Balanced, Moderate, Dynamic, and Adventurous asset allocations.
- Complimentary Legacy Portfolio Audits: We evaluate your existing fund performance and fee drag without upfront charge.
Pensions, Consolidation & Flexible Drawdown
Strategic retirement structuring to avoid the 60% income tax trap and maximise tax-efficient wealth preservation.
Whether you hold multiple fragmented stakeholder pots from past City employers or require bespoke Self-Invested Personal Pension (SIPP) commercial property acquisition advice, our pension advisory provides clarity and control.
- Annual Allowances: Maximise up to £60,000 (or 100% of earned income) with carry-forward relief.
- Flexible Income Drawdown: Retain invested capital outside your taxable estate for Inheritance Tax while drawing tax-free cash.
- 60% Tax Trap Mitigation: Pension contributions deployed to reclaim the personal allowance between £100k and £125k.
Financial Security & Assurance
Eliminate financial vulnerability through precision underwriting with providers holding 98%+ claim payout records.
A mortgage or investment plan without income protection is exposed to immediate risk upon illness, trauma, or unexpected incapacity. We engineer protective cover that integrates directly with existing employee death-in-service benefits.
- Income Protection: Replacing up to 70% of gross salary with deferred periods aligned to corporate sick pay.
- Critical Illness & Term Life: Standalone or combined lump sums structured under trust to bypass probate.
- Business Protection: Key Person Insurance, Relevant Life Plans, and Shareholder Cross-Option agreements.
Wills, Trusts & Lasting Power of Attorney
Protecting generational wealth against unnecessary Inheritance Tax (40%) and safeguarding family decision-making.
Without structured estate documentation, assets face statutory intestacy laws and protracted probate. We advise on trust frameworks, protective property trusts, and partner with legal specialists for full Lasting Power of Attorney (LPA) registration with the Office of the Public Guardian.
- Trust Structures: Discretionary Trusts, Bare Trusts, and Interest in Possession to manage 7-year gift tapers.
- Lasting Power of Attorney (LPA): Appoint trusted attorneys for Property & Financial Affairs, and Health & Welfare.
- Equity Release (Age 55+): Lifetime mortgages to release capital for family deposits without monthly repayments.
Arrange Your Discovery Call with Aaron Tyson
Whether securing a multi-million pound Canary Wharf mortgage or planning for retirement drawdown, our consultations run until 9:00pm to fit your diary.