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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 Royal Tunbridge Wells

Wells Financial

26 High St, Tunbridge Wells TN1 1UX, UK – 01892 517171

Very Friendly Company, Extremely Helpful, Cant Ask For More For A Financial Institution :-)

Hitchell Financial Planning

2nd floor, 8, Lonsdale Gardens, Tunbridge Wells TN1 1NU, UK – 01892 532700

Hitchell Financial Planning have provided us with a fantastic service from start to finish. Sarah arranged a fixed rate mortgage on our property, not only did she keep us regularly informed and make the whole process so much simpler than it would have been arranging it ourselves, she found us better deal than anything we could find elsewhere. In fact, the deal she found us was with a bank that couldn’t match it when we went to them directly. Richard has also found us a great small investment that met our requirements. How much risk we wanted to take was judged carefully and Richard took the time to explain the process. Overall an excellent experience from a company that works hard to save us money, thank you.

I just wanted to say how fantastic Sarah Bird has been, As first time buyers she has taken the whole stress out of what is meant to be one of the most stressful times. Nothing was to much for her and she was extremely prompt and getting back to us with advise and answers to our many questions. I cant thank Sarah enough for the support and guidance she has given us and we will certainly be using Hitchells again for future protection cover and mortgage advise. I will 100% be recommended Hitchells/Sarah to all my friends and family - absolutely fantastic service.

Grainger Co

50A St John's Rd, Tunbridge Wells TN4 9NY, UK

Great place for advice

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Royal Tunbridge Wells.
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.
TSB Bank

62 Mount Pleasant Rd, Kent, Royal Tunbridge Wells, Tunbridge Wells TN1 1RB, UK – 01892 533766

Always friendly service and never had to wait at all to be seen

Get there early bc there can be queues and not many servers. However, service is good

Metro Bank

2 & 4 Calverley Rd, Royal Tunbridge Wells, Tunbridge Wells TN1 2TB, UK – 020 3402 7840

Just been in today. Service was brilliant. I went to open an account and been told to wait politely for15 mins and been asked for cold drinks and coffee, I have to say the service they give to their clients is outstanding. Mr Simon, a brilliant guy who open my account today was very helpful in opening an account, didn't took long for opening an account as well, he even made my debit card in 5 minutes and set my mobile banking the same day.. this all process didn't took more then 25 minutes. Highly recommended, if you want smooth and easy going banking.. and also if you want to save your time, i will definitely referring my other friends to this branch of Metro. Thanks a lot Metro 👍🏼

Brilliant helpful friendlybank.

Lloyds Bank

82 Mount Pleasant Rd, Tunbridge Wells TN1 1RP, UK – 0345 300 0000

Very well equipped bank as one would expect for Tunbridge Wells, useful automatic paying in machine, and personally I am a fan of the doors!

Good friendly staff

Banks

HSBC

105 Mount Pleasant Rd, Tunbridge Wells TN1 1QP, UK – 0345 740 4404

We were having trouble booking an appointment to open a partnership bank account with barclays and metro. So on the off chance I walked into HSBC. I managed to get an appointment that day with a Tony Wood. He was brilliant, he walked through with me what we needed to set up the account and so on. We completed opening the account after about an hour and it takes 2 or 3 working days to be open. I would and have recommended HSBC to anyone. I am also transferring my current and savings over to them for being so good and helpful to me and our business.

Lots of cash points

Halifax

48 Calverley Rd, Tunbridge Wells TN1 2TD, UK – 01892 791911

Modern bank with clean office and good staff.

Barclays Bank

8 Calverley Rd, Tunbridge Wells TN1 2TB, UK – 0345 734 5345

Really helpful staff. There are self serve machines in here and rarely much of a queue to use them. If you get to talk to a member of staff, they are really nice and totally helpful.

super nice staff and always have been. Lack of counters that are manned is a real problem now, as a business banker i have to queue at their SOLE manned counter for ages.

Building Societies

Nationwide

18/20 Calverley Rd, Royal Tunbridge Wells, Tunbridge Wells TN1 2TB, UK – 0800 554 0371

Best Building Society and Tunbridge Wells staff best in Britain

Halifax

48 Calverley Rd, Tunbridge Wells TN1 2TD, UK – 01892 791911

Modern bank with clean office and good staff.

Mortgage Brokers

Stone Cross Mortgage Services

29 Vale Rd, Tunbridge Wells TN1 1BS, UK – 01892 525800

I would highly recommend the financial services of Stone Cross Mortgage Services and Paul Fasey. Paul was initially recommended to me by a colleague for a remortgage product that I required. Although my situation required a lot of work on Paul's part he was fantastic and very informative with "whole of market" products and he finally located and advised the best deal for me to proceed with. All went through without any issue and Paul's expertise and experience made the process very easy. I really appreciate your efforts Paul and look forward to using your services in future. Thanks again.

Paul Fasey was initially recommended to us by a family friend, and we have had the pleasure of experiencing his expertise in the mortgage arena for nearly 8 years now. Paul has always been helpful at explaining our mortgage options in terms we lay people can understand, and his knowledge of the ever-changing mortgage market has proved invaluable. We live in the Brighton area, so have always used Paul's services remotely and never met in person. However, from our email exchanges and phone conversations we can vouch for his patience, politeness and professionalism. Buying and selling houses is an extremely stressful process in England, and you can sometimes feel you're drowning in a sea of sharks. So to have someone like Paul Fasey on board who you can truly trust - and who can also navigate the numbers for you - is priceless. Indeed, we think so highly of Paul that we haven't hesitated to employ his skills every time we've needed to re-mortgage, and we are yet again tapping his expertise for our next house move. Paul is an independent mortgage advisor with a team spirit, and we genuinely cannot recommend him enough. If you seek a mortgage through Paul you can consider yourself in safe hands.

Hitchell Mortgage Solutions

2nd Floor, 8 Lonsdale Gardens, Tunbridge Wells TN1 1NU, UK – 01892 554732

I used Robert Freeman from Hitchell Associates on a house purchase that just completed. I found him to be just brilliant. Constant updates and good communication, solution orientated where other brokers weren't, and just all round very professional. I would highly recommend him.

Fantastic service! Knowledgeable, prompt and got me a brilliant deal! Highly recommend this company.

Just Mortgages

66 London Rd, Southborough, Tunbridge Wells TN4 0PR, UK – 01892 539626

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 Royal Tunbridge Wells.

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 Hotel Du Vin 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.

Mortgages

Smith Coffin Private Finance Limited

144 London Rd, Southborough, Tunbridge Wells TN4 0PJ, UK – 0800 644 6620

As a first time buyer and a self-employed contractor finding a mortgage seemed like a daunting task. Stuart Coffin provided a fantastic service, taking the time to understand my requirements and providing me with several options to consider. He was always happy to rework the numbers based on my latest request, and his communication was outstanding. I am a happy customer with completed purchase, and can highly recommend Stuart for your mortgage needs! Wicus Willemse Shoreham-by-Sea

ALISHA JAMES Mortgage Specialist

15 Lakewood Drive, Greggs Wood Road, Tunbridge Wells, Royal Tunbridge Wells, Kent, TN2 3FH, UK – 01892 278381

Coffin Smith

144 London Rd, Southborough, Tunbridge Wells TN4 0PJ, UK – 01892 542704