The top 5 places to get free financial advice in the UK

Getting financial advice can be invaluable as a financial adviser can help you get the most out of your money, whether you’re hoping to start investing, planning your retirement or finding the best mortgage for you. 

While the initial meeting is typically free, working with an adviser is fee-based, and charges can vary. 

MoneyHelper

MoneyHelper offers free, impartial advice backed by the UK Government. It offers money and pensions guidance online, over the phone or in person and can connect you to a free debt adviser.  

So, whether you’re looking to make the most of your money, cut your debt or even plan ahead or find out whether you’re entitled to any benefits, MoneyHelper can offer helpful guidance.  

Citizens Advice

Citizens Advice offers free, independent advice in various areas, including guidance on pensions, housing, employment issues, debt, benefits, family matters and consumer rights. 

The organisation’s network of independent charities can give confidential advice over the phone, online or in person.  

Citizens Advice says it helped solve the problems of 75% of people it directly advised in 2021-2022.

StepChange

StepChange is the UK’s leading debt charity and has helped millions of people deal with their debt problems for free.  

You can get advice online or over the phone. StepChange will help you work out your income, budget and debts and use this to devise a solution before setting up a plan and extra support.   

National Debtline

Run by the Money Advice Trust, National Debtline is a free and confidential debt advice service. 

You can either call, use its online webchat or use the digital advice tool to get the right advice for you.  

The Financial Ombudsman Service

The Financial Ombudsman helps settle complaints about financial businesses for free.  

They may be able to help if you have any issues with: 

• Financial advice, pensions and investments 
• Bank accounts, payments and cards 
• Insurance products 
• Loans and finance loans  
• Debt collection and repayment problems 
• Mortgages 

If you’re struggling with your finances and are not sure where to turn, it’s worth getting in touch with a trusted organisation that can offer free, impartial and confidential advice. 

If you’re looking into how to make the most of your money and are considering ways to maximise your pension or find the best investments or mortgage, it may be worth paying for advice.

Learn more: what is a financial adviser and what do they do?