Holder & Combes Ltd

Independent Financial Adviser 20 Little Britain, St. Paul's, London, EC1A 7DH
First meeting at adviser's own cost
Response rating
FCA verified
10th June 2019
We are passionate about helping people organise their financial affairs to achieve all of their objectives.
We can advise you on
    • Buy to let
    • First time buyers
    • Overseas
    • Remortgage
    • Residential
    • Self employed
    • Ethical investments
    • Investing for income
    • Investment trusts
    • ISAs
    • OEICs
    • Offshore investments
    • Socially responsible investments
    • Traded endowment policies
    • Unit trusts
    • Commercial mortgages
    • Corporate pension
    • Group pensions
    • Annuity purchase
    • Auto enrolment
    • Pension consolidation
    • Pension drawdown
    • Pensions & divorce
    • Pensions & retirement planning
    • Pensions review
    • Pensions transfer
    • Sipps
    • Stakeholder
    • Wealth management
    • Accident & sickness
    • Buildings and contents
    • Commercial motor
    • Critical illness
    • Healthcare
    • Home and leisure
    • Income protection insurance
    • Large business
    • Life insurance
    • Payment protection insurance
    • Small business
    • Travel
    • Lump sum
    • National savings
    • Regular savings
    • Savings for children
    • School fees planning
    • Capital gains tax
    • Estate planning
    • Income tax
    • Taxation planning
Meet our advisers
Nick Combes
Certified Financial Planner
Ed Holder
Chartered Financial Planner
Chartered Financial Planner
Tom Dean
Chartered Financial Planner
Justin Al-Kaisy
What our clients say
I am a full time GP, married with two children. I am very busy in my Practice and simply do not have the time for additional paperwork, I just want to praise Lawrence and Madhuri from H&C for their fast, efficient service, as well as their professionalism, as they helped remortgage my properties, on every step of the way. They are very helpful and friendly, I will definitely be recommending them to my family and friends, once again, a job well done.
Dr. Syed Shah, London
I've used Holder and Combes for a few years and the service has been consistently excellent. They respond quickly to any questions and are prepared to spend time getting the right solution in place. I'm happy to recommend them.
Colin Stewart, London
Holder & Combes have been helping me organise my personal finances for the last few years. Prior to meeting Nick I had no financial advisor or pension in place and I now have my finances in much better order and I also understand better what steps I need to take in order to deal with my finances in the future. I have also had some help with my company's finances and will definitely use Holder & Combes the next time I have any financial needs. I can highly recommend them.
Patrick Anderson, London
I have had other financial advisors in the past and have been privy to friends' dealings with other financial advisers and I can honestly say that Ed stands head and shoulders above other advisers. I would recommend his services without hesitation.
Michele Bogucki, London
Nick has been my financial adviser for about six years now, and I have been consistently impressed. His advice is always timely, accurate and straightforward, and he has been instrumental in helping me plan all of my major financial decisions. He has the highest integrity and I would recommend him to anyone.
Stephen Crookbain, London
Ed has done a fantastic job in recommending financial products to my girlfriend and me over the past three years, particularly on the mortgage front where they have demystified a hugely confusing market for us and found the best deal available within the confines of our personal finances. He is fun to work with, honest and straight talking and I would strongly recommend him to anyone requiring financial advice of any sort.
Matthew Ball, London
The guys at Holder & Combes have been a great support in terms of professional services and really understanding my personal and family needs. I have every confidence that they look after my needs as a priority. Well done guys, and as and when appropriate, I will refer your services to colleagues, friends and family.
Andrew Wong, London
Since taking over the management of my pension, Holder & Combes have reduced the charges, increased my investment options and their fund advice has produced impressive returns after only a year - I wish I had met them 15 years ago!
Fiona Couper, London
Holder & Combes have consistently provided a first rate service on the many occasions that we have worked together. Their assistance and advice in relation to residential and commercial mortgages has always been efficient, attentive and highly competent.
Yash Kulkarni, London
Holder & Combes helped me source a very good mortgage rate for a recent purchase, and were always available for follow up help and advice. I would have no hesitation in recommending them to others.
Peter Walsh, London
I have used Holder & Combes personally and would recommend them highly. Their personable manner and knowledge of the financial services sector is excellent. We have had no issue in recommending them to our clients and they have proved consistently to produce great results for everyone we have referred
Giles Brown, London
Ed is a splendid fellow. He is almost able to get me interested in financial services. Not quite perhaps, but his enthusiasm for the subject, whilst utterly alien to me, somehow rubs off and I listen. There's often a bit in the meeting where just his mouth moves and I start thinking about badgers on roller skates and hot air balloons made of cheese whilst drawing pictures in my notebook and checking my iphone, but thankfully, Ed is so trustworthy, and committed to my financial health that none of this matters. After all, it's my job to make some money being creative and it's his job to stop me frittering too much of it away. I'm (literally) all the richer for knowing Ed. Generally I'd rather cut important bits of my body off with a rusty spoon than think about finance. Ed seems to have a steely way of getting me to put that old spoon down and sign where it matters. It's quite a talent, and I'm happy to say it's a creative skill too; Ed is a veritable poet of the pivot table.
Chris Clarke, London
Ed has been my financial advisor for a few months and so far I'm delighted with everything he has done. He has strong opinions, a very reassuring no-nonsense approach and is great at explaining why he recommends the products he does. He also took on a lot of the admin burden of sorting out pensions, savings and numerous kinds of insurance, which made life a lot easier for me. If you want someone smart who is on your side, Ed's your man
Richard Hollins, London
Professional, approachable, friendly, efficient and knowledgeable. I have no hesitation recommending Ed's services
Dan McLachlan, London
Ed has been my advisor for a number of years and has always provided me with good quality, helpful advice in a very personable way.
Matt Seymour, London
Unlike many advisors Ed makes the world of finance easier to understand. He was able to very quicky respond to our particular requests and provide a range of well balanced, good value options. He was also very supportive all the way through our house purchase and provided excellent advice throughout.
Donald Campbell, London
I've known Ed socially and professionally since 2005. He is one of the most approachable, honest and intelligent people I know; therefore, I never hesitated to ask Ed for financial planning advice. The level of service Ed provided was exactly as I expected it - highly professional and appropriate. Based on this, I strongly recommend Ed's services.
Eugene Kumeyko, London
Always quick to respond to emails, and able to offer clear, easy-to-understand advice. Not your conventional suit!
Joanna Woolf, London
Under strict instruction from my girlfriend, and on the advice of a savvy Headhunter friend of hers, I approached Nick Combes at Holder and Combes for financial advice. My finances had been a mess for years. This was partly my own fault and partly the result of a very lazy financial adviser some years ago, who encouraged me to buy a dodgy endowment mortgage and seemed more interested in his sailing holidays than making my money work for me. My pension was a long forgotten scheme started when I was staff at the BBC.Over two visits six months apart, Nick carefully went through the options in lay terms for me and convinced me what policies I needed and which were luxuries. We then projected what expenses I needed to prepare for down the line. I have been delighted with all the advice I have received so far and will be recommending him to my mother next - a good measure of the regard I now hold for Holder and Combes!
David Boulter, London
Nick has provided his expert advice to me over the last few years and I have great confidence in his, and the Holder & Combes, ethic and abilities. He has produced good results with my investments, and shown patience, care and a genuine interest in my circumstances, making what was once a somewhat daunting subject straightforward, interesting and enjoyable. I'd recommend him to anyone without reservation.
Miles Essex, London
Nick helps negotiate the minefields of mortgages, pensions, savings plans, all of which I find deeply tedious. He is a safe pair of hands, and very easy to work with - I would not hesitate to recommend him to any colleagues or personal friends/family
Chantal Coady, London
Truly excellent advice, helping us to manage pensions, investments and mortgage decisions.
Victoria Sisson, London
Nick has been my family's IFA for eight years and I can't recommend him highly enough. He is always available and able to help, and as my position has developed over the years Nick's advice and support has been spot on every time. He is very customer focused, has great integrity and his market knowledge is excellent.
Christopher Hamilton, London
Ed has been my IFA for almost three years. He is great to work with and clearly passionate about what he does, taking the time to explain the options and demystify what can be quite complex investment choices. And the proof is in the pudding - Ed has really built value in my private pension fund. I had no idea how much better the returns could be until Ed suggested I move it into a new investment scheme where it has grown much faster than it was previously growing.
Linda Eziquiel, London
I have had a very positive experience working with Ed and his firm. He has a high degree of integrity and his firm has a client oriented and results oriented focus. Recessions often result in the growth of customer focused, highly productive firms and that is exactly the type of business Ed is a part of.
Ambasuthan Jananayagam, London
Ed excels in his field. He is accomplished and expert and never fails to give sound guidance and advice. My partner and I trust him implicitly and when we've recommend him to friends and colleagues the feedback is always positive and enthusiastic. He's an impressive guy who always delivers creative, skillful and intelligent solutions. Its been hugely beneficial working with him. Its a pleasure to recommend him.
Neil Harber, London
Trust is a very important attribute that I look for in people, particularly when it comes to dealing with my financial matters, and I trust Nick's judgement and abilities. As a client of his for the past 2 years, I have also been consistently impressed with Nick's accessibility and attention to my needs. As I grow my own business over the next few years I am confident that Nick will be integral part of my network which will steer the business towards growth and prosperity.
Michael Barker, London
Ed Holder has been my IFA for about 5 years now. He's helped me no end with all matters financial (for both myself and my business) and has made the purchase of an office and a family home possible for me. He possess an unfathomable boundless enthusiasm for all he does while understanding very well that people like myself neither understand nor really care that much about the maze that can be financial planning. To know that I have someone like Ed and his excellent colleagues looking out for me is a great relief. I always recommend Holder and Combes to all I meet so I'm sure they owe me another lunch by now...
Adam Jenns, London
Nick has a gift for explaining financial matters in a very human and easy to understand way that enables one to make informed decisions. Everything feels easy and comfortable, leaving me in control but unburdened by the administrative side of things. In addition he's highly personable and a pleasure to work with. I would highly recommend Nick to others.
Audrey Yvernault, London
I have been a client of Nick's for over 9 years. He has provided me with expert advice around a range of products and has consistently proven demonstrated his expertise. He has also gone the extra mile for me as a client and I have been completely satisfied with his service. I trust him and would happily recommend his work.
James Greengrass, London
After being recommended Ed by a friend, my first foray into financial planning has been smoother and far easier to understand than I could have imagined.Not your stereotypical financial advisor, Ed has taken away a great deal of the mystery of the financial world for me. Ed and the team at Holder and Combes made me feel very comfortable with my investments and I am happy to recommend to anybody seeking financial advice in the future.
Jon Clifford, London
As I approached retirement in the autumn, my main preoccupation was not what to do with my life but rather what to do with my occupational, money purchase pension. For someone like myself, with no financial expertise, this was both vital and incredibly worrying. My pension is no doubt peanuts in Ed Holder's terms, but he has spent a lot of time working out and explaining the various options to me. As a result I have a peace of mind that I had not thought possible. I feel very fortunate that in what I see as the dodgy world of financial advisers, I have (on the recommendation of a colleague) ended up with Holder & Combes.
Celia Locks, London
Holder & Combes were recommended to me by my solicitor to advise on a technical issue. It certainly wasn't straightforward but Ed and his team put in a monumental effort, breaking records for call durations to the underwriters, driving process change within the dinosaurs of General Insurance and maintaining excellent humour along the way. Hours were invested for a very modest policy and I would not hesitate to return for any advice in the future.
Hugo Elliott, London
I have known both Ed and his business partner Nick for 4 years. In that time, I have worked with Holder & Combes as well as being a very happy client of theirs. Their client-centric approach and superior market knowledge put them up with the best firms I have worked with my 15 yrs in Financial Services
Paul Judd, London
I consider you to be very good at your job for many reasons but in particular because of your ability to phrase things in a simple way, targeted for the person you're talking to so they understand clearly. Professionals often like to use complicated words and industry terms to confuse people and make themselves look clever - but not you guys. Your emails epitomise this! I've no doubt your other clients love your manner and approach. I've spoken to a lot of different people and you guys really do seem to know a lot more than everyone else. On reflection, the advice you've given has saved us an absolute fortune but for me the most important thing is that it saves me having to worry about the future.
Jon Timms, London
Holder & Combes have been looking after my pension, giving me advice on my investments and helping me with mortgages now for several years, and have just helped me in getting my current mortgage re-underwritten for my new house. At every stage of each investment I have had all the risks and benefits of each decision explained, both in person and on the phone. My most recent mortgage was handled personally by Justin Al-Kaisy, who successfully navigated me through the process, and has been extremely helpful and diligent throughout, and has helped keep my mortgage provider on a tight time schedule for the whole process. I've been extremely happy with the personal and impartial advise I've received over the years, and feel the products I've been recommended have been a good match for my financial position, and have performed well. If you are looking for a group of highly professional, highly qualified and highly personable IFA's, then Holder & Combes should fit the bill.
Nick Runeckles, London
What to do with my pensions was a mystery until I contacted Nick at Holder & Combes. What I particularly like with this company is that my approach to risk management is respected completely, and I understood exactly what was proposed. I am very happy with the performance of my investments and the way H & C approach the analysis and management of the funds and fund managers they choose to work with. I think the essence of good financial management is always based in trust - and I trust Nick and the company to advise me well.
Helena Dennison, London
Having always been fairly ramshackle in my approach to my finances Holder and Combes have completely sorted me out. Everything they present is clear, easy to understand and, more importantly, it's working. It's a weight of my mind knowing that all aspects of my finances are being taken care of and that I have a good sense of where I'll be when I come to retire. It's just not something I'd ever really thought about before. On top of all this they're great to work with. Meeting with them is a pleasure.Over the last three years Nick has completely overhauled my financial arrangements in order in a clear, practical and effective way. Highly recommended.
Nick Mather, London
Dealing with the financial adviser at Holder & Combes has been a real breath of fresh air - for the first time I have received no-nonsense, understandable advice on my investments in an open and honest manner - just fantastic. Having advice given in the way it was, just left me wholly confident in the service I was being provided and with my best interests always at heart. I wouldn't hesitate for a moment in recommending them. Thank you.
Gunther Walker, London
Just wanted to say a huge thanks to you and to Justin for your advice and help in getting not one but two mortgages set up in super quick time, enabling me to finance my lease extension and move house within a very short timescale. Also worth noting that Justin's assistance was invaluable to me in progressing my mortgage application whilst I was on vacation. I am a very happy customer, so thanks again to both of you!
Jennifer Walker, London
As I approached retirement in the autumn, my main preoccupation was not what to do with my life but rather what to do with my occupational, money purchase pension. For someone like myself, with no financial expertise, this was both vital and incredibly worrying. My pension is no doubt peanuts in Ed Holder's terms, but he has spent a lot of time working out and explaining the various options to me. As a result I have a peace of mind that I had not thought possible. I feel very fortunate that in what I see as the dodgy world of financial advisers, I have (on the recommendation of a colleague) ended up with Holder & Combes.
Celia Locks, London
I am a new client to Holder and Combes but have had a very positive experience so far. They are professional organised and transparent in all that they do. I am looking forward to working with them for the foreseeable future.
Paul Mersh, London
Ed was recommended to my by a colleague in November 2011, at which point, I quickly realised he was a most impressive individual. Certainly not your stereotypical Financial Advisor, Ed is an animated and enthusiastic person who is happy to talk about anything and everything. But when it comes to business, Ed and his team certainly go the extra mile to ensure their clientele receives unbeatable support and service. I look forward to a long-standing and deep rooted relationship with Ed and would suggest anyone considering a financial advisor to take the first step.
Luc Gernay, London
Ed Holder, of Holder & Combes, has been providing us with financial advice and planning for several years. This has included our mortgage, pension, investment and tax arrangements. We have found him to be very friendly, approachable and helpful, able to apply his extensive financial knowledge to explaining the details in terms that we clearly understood.We feel fully confident in his capacity to manage our financial planning, and are completely secure in his professional handling of our affairs. We would have absolutely no hesitation is recommending him as a financial advisor.
Ron Katzler, London
After an encounter with a dodgy pensions salesman, we were so relieved to meet with Ed. He wanted to give us advice based on our own unique situation, and to put our interests first. He treated us as intelligent people, and went to great lengths to explain his advice. He was very generous with his time, (although we didn't have much to invest)! We are so happy that we found Holder and Combes and made some plans for our financial future.
Lara Houston, London
I've recently worked with Ed on what I thought was a complex (and daunting) financial situation. Ed was brilliant and actually completely turned around my problem into an opportunity! I really liked his no-nonsense, friendly, and expert can-do advice towards a layperson like me. I'd 100% recommend Ed as the go-to guy to chat with about your financial investment advice.
Simon Bird, London
I have used Holder & Combes for around 10 years now for both my personal finance and mortgage and re-mortgage requirements. I use H&C because I find their approach highly professional, reassuring and very friendly. I have a number of financial plans running with H&C and I completely trust Ed's advice. I have been delighted with the results and I feel like I have an extremely well managed portfolio that has been expertly designed by Ed and his team for my needs and requirements. I fully intend to keep my investments in their safe hands now and into the future.
Alex Franks, London
I first met Ed 3 years ago and it was a huge relief to have such a great person advising on what can be very complex matters. It is clearly obvious that he and his team have a huge wealth of knowledge and know how to explain everything in language that is easily understood. Ed and his team advised me on my personal and business pensions, investment opportunities and recently Justin helped secure a great mortgage for our new home. Its a genuine pleasure working with Holder & Combes
Ross Fleming, London
Having close to zero financial knowledge besides knowing how to open a bank account it was huge relief to find such a straight talking expert in Ed. Not only did he take the time to clearly illustrate our options he was also able to lucidly explain the previously impenetrable concepts of finance that had stifled my ability to take sound financial decisions. After our energetic and fascinating consultations I feel comfortable that we have a plan in place that suits my family's finance needs and dare I say, ethics. I can also categorically say that it has been a hugely enjoyable experience dealing with Ed.
Neil McFarland, London
I contacted Holder & Combes having lost faith in my previous advisors who were not really listening, explaining or giving me the opportunity to think about my options. In contrast, Nick listens and talks me through my options with my objectives in mind. Everything is explained in language and terms that I understand, and there is never any pressure to do anything I am not 100% comfortable with. The risks and benefits are always set out clearly and then I make the decisions. I have always found Nick and the team at Holder & Combes to be accessible, helpful and available when I need to speak to them.
Alexandra Gladwell, London
Holder & Combes are very forward-thinking and innovative. I will bet my bottom dollar that they will become increasingly successful. Ed of Holder & Combes has worked has provided me with financial advice for some years now and I have always been struck by his limitless knowledge and expertise in this field that I call a ‘minefield’. He is always supportive, answers technical queries promptly, and goes the extra mile to ensure excellent customer care. Based on this positive experience, I have successfully referred business partners to him and have heard of no negative comments. If you are looking for a financial planning service that is flexible, tailor-made, and innovative yet based on sound principles, this has to be the place to come. So join the H&C movement!!!
Christian Cisse, London
I’ve known Ed for about four years and have worked with Holder & Combes for the past couple of years. The simplicity, clarity and quality of ideas they provide has always given me huge confidence in their abilities. They provide a fantastic service and I wouldn’t hesitate in recommending them to my friends and colleagues.
Iain MacMillan, London
The friendly, efficient and knowledgeable staff have been an invaluable help, providing me with the info needed to complete on a number of property purchases as well as other financial advice. They have gone out of their way to get back to me with information needed, provided sound advice and respond to requests promptly and efficiently. Thank you for all your help in the past and I will continue to put my business your way in the future as well as recommend your services.
Peter Benfield, London
Justin Al-Kaisy at Holder & Combes was my Mortgage broker and he did a fantastic job. He went above and beyond to help me out and was very patient and thorough. I would recommend him and Holder & Combes to everyone. I will now be using H & C for more financial matters in the near future!
Oliver Smith, London
It's hard to imagine greater lengths Ed and his team could go to to provide their top class financial planning service. From long-term strategy to well thought through advice on the immediate needs of mortgages, dividend and tax planning, their guidance has been excellent. I have no hesitation in recommending Holder and Combes. And have done frequently.
Rupert Sanderson, London
I am a full time GP, married with two children. I am very busy in my Practice and simply do not have the time for additional paperwork, I just want to praise Lawrence and Madhuri from H&C for their fast, efficient service, as well as their professionalism, as they helped remortgage my properties, on every step of the way. They are very helpful and friendly, I will definitely be recommending them to my family and friends, once again, a job well done.
Syed Shah, London
Ed and the team at Holder & Combers have been fantastic in working through and advising us on all things to do with our personal and family finances over the past two years whether it be pensions, tax, investments, insurance or mortgages. Essentially really important stuff but not something we can get remotely excited about. This makes Ed and the teams' enthusiasm, transparency, dedication and professionalism all the more comforting. We would recommend them in a heartbeat.
Piers Clough, London
Justin's calm and confident nature lent us the reassurance we required throughout the otherwise potentially stressful process of selecting and securing our first joint mortgage. We could not recommend Justin, at Holder and Combes, highly enough to anyone else going through the process of buying their first home.
James Uphill, London
Holder & Combes have expertly handled my mortgage, pension, and investments over the last decade. Finance can be a daunting world, but their advice has always been friendly, authoritative, and clear – somehow they always find a way of demystifying the process. Highly recommended.
Joe Turp, London
As a writer my income, my prospects and even my sobriety are famously unpredictable, and so I needed an adviser who was comfortable with an unfashionable degree of ambiguity.Asking a financial expert to sort out my family's finances felt a bit like asking a professional pilot to fly us somewhere safely, given that I was unable to guarantee either the destination, or the airworthiness of the aircraft, or the amount of fuel we had on board. But Ed Holder came highly recommended by friends who know about this sort of thing, and when I met him I knew I had found the right person. Ed and his team are smart enough to make a flexible plan around a life that has more ifs than therefores, and they are personable enough to make the process bearable. Money is one of the many things I can't cope with at all - and now that Ed is in charge, I have a lot less anxiety and I am freed up to write. I really feel better for working with Ed and I highly recommend both him and his firm
Chris Cleave, London
I'm a busy mum of two and, to be honest, the world of financial planning is often bewildering to me. However, with Nick and the team on my side I really feel my financial future is in the safest of hands. Nick rescued my pension, which I had left to languish and was barely worth what I had put in, and turned it into a pension pot that is making money and will work for me and my family in the future. He has also sorted out my income protection and life insurances, adapting them to my changing needs. Nick really cares about his clients and is always on the look out for the best deals for them. He is friendly, approachable and highly knowledgeable. I would recommend Holder & Combes to anyone looking to maximise their finances for the future.
Nadia Jones, London
After leaving my job in a large corporation I needed to transfer my company pension plan to a private SIPP. Ed and team at Holder & Combes were extremely helpful in dealing with the move and the many hoops to jump through. They kept me up to date with progress and took the time to walk me through the SIPP providers and find the right investments for my risk profile. I would highly recommend Holder & Combes for pension transfers and ongoing pension investment management.
Alex Ley, London
I've used Holder and Combes for a few years and the service has been consistently excellent. They respond quickly to any questions and are prepared to spend time getting the right solution in place. I'm happy to recommend them.
Colin Stewart, London
Holder and Combes is a very professional organisation, who explained what they did, and what I needed to do, in great depth, but with a simplicity someone without a financial background could understand. I can highly recommend Ed himself, and his organisation in general.
Marcus Evans, London
Having turned to Holder and Combes with an air of uncertainty on what to do with my money, and how to prepare for the future, I was met with extremely helpful and clear advice. Not only were the pension plans broken down in a clear pragmatic manner (for my non financial mind to understand) but also Ed helped me work out which was the most suitable way for me to invest - and what I felt comfortable with. The team are there to answer questions and you don't feel silly asking probably the most simple of questions, this makes you feel very comfortable to approach them. At all stages I have only been met with professional and useful help. When investing in the future this helps with peace of mind. One very happy customer.
Rachel Brunning, London
Ed has recently arranged my new life insurance policy. He was very approachable and explained everything clearly and in a way that I understood. Both his advice over the telephone and in writing was concise and pitched at the right level which made me feel confident and secure in knowing that the policy he recommended and arranged was correct for my requirements. I would have no hesitate recommending Ed to any contacts of mine looking for financial advice and I will definitely be going back to him for further advice in the future. Thanks for all your help.
Daniel Crockford, London
Holder & Combes came highly recommended by a discerning colleague a couple of years ago & they have not disappointed. Of course the company exhibits all the qualities one would expect in the financial advice sector such as up to date financial knowledge, professionalism, quick response times, clear & precise communication, & impartiality. However two things set Holder & Combes apart for my husband and me: firstly the personalised nature of the services they provide. Holder & Combes took great care in finding out exactly what our priorities were in making investments, & what sort of risk levels we were happy with. Ed knows us personally & I have no qualms in contacting him about any query relating to our investments, & he deals with my emails patiently. Secondly, a sense of genuine enjoyment and pride in the creative solutions they provide seems pervasive. We have dealt with several members of the company in different capacities & are impressed by the commitment shown to what they do. I am very happy to fully recommend Holder & Combes to anyone looking for high quality, personal, sound, intelligent financial advice.
Elizabeth Pulman, London
I’m 63 and my partner is 65. I have been worried for a long time as to whether we were making our pensions work as hard as they could, particularly as we don’t want to retire yet and want a chance to build up as much as we can in our private pensions. Ed was recommended to us, and I’ve found him to be extremely approachable, understanding and informative. I’m sure that our pensions are in safe hands now and a bonus is that Ed is always on hand to answer any queries I may have about anything financial. Very reassuring at this point in my life.
Jacqui Dickson, London
My initial contact with Nick was through our joint engagement with the Federation of Small Business (FSB). Nicks financial advice has proved invaluable, honest, straightforward, clear and very relevant to my circumstances. Nick demonstrated an understanding of what advice I wanted as well as suggested areas that I had not thought about. Nick also understood my approach to risk, so that the advice that he was giving me took into account how I would process and make my decisions in terms of advice and investments. Nicks approach to clients is one where he will invest as much time as the client needs and I never once felt that I was taking up too much of his time. I am able to contact Nick when I feel I need to and the response I receive has always been supportive and sound. I would have no compunction to recommend Nick unreservedly.
Terilla Bernard, London
I was fortunate to have found H&C a few years ago and have been working with Nick ever since. I’ve found the quality of service offered by the company second to none. This began from day one with a seamless consolidation of my pension funds, through to today where I have made various queries and have received a speedy and friendly response. During our financial reviews, Nick is able to convey financial information in an easily understood form. What also strikes me about Nick is the genuine care and interest he takes in helping with both my near and longer term financial concerns. I’d happily recommend Holder & Combes to anyone.
Vish Murden, London
I was very grateful to hear about Holder & Combes from a colleague at work. I had been following articles on the national press for the past year and was confused as to what to do about my pension, whether to take out an annuity now or postpone it for later.Nick Combes made it easy to understand and advised me on best options available, taking into account my personal circumstances and needs. I will thoroughly recommend their services to friends.
Maria Whitehouse, London
Nick is forensic in style bringing clarity and order to assist in our decision making with regard to our personal finances. The Team have our objectives as their priority, give pragmatic advice and will spend time steering us through, what is at times, a complex jungle. We now have an investment plan, understood by all, structured for the next 25 years or more; time will tell as to what the investment world will throw at us but with Nick and the team on our side we feel we are prepared. I would be happy to recommend H&C.
Chris Higham, London
We have been delighted with the support from Ed Holder of Holder and Combes in helping up understand our pension options and expectations and dealing very quickly with some challenging investments. The speed of response and action, practical, professional and knowledgeable approach with options presented in a straightforward way have been outstanding. Ed was recommended to us by a friend, and we would have no hesitation in recommending Ed and his company to others.
Judi Edwards, London
We are much indebted to Holder & Combes for their assistance with our applications for a mortgage, life cover and buildings insurance. Along every step of the journey, Lawrence and his team imparted their expertise, tailored precisely to our individual needs. They all worked tirelessly to obtain the best possible outcomes for us and meet our tight timeframe. Many thanks to all three of you.
Oliver Duguid, London
I cannot recommend Lawrence and Madhuri at Holder & Combes enough for their hard work and constant contact with us whilst we were buying our first home. We had 4 weeks to exchange on our home and our solicitors were awful. Without Madhuri being on the case everyday to push them, we would have been more stressed than the normality of stress you experience from buying your home. We were always being updated as to what had to be done and the steps as to what was next in the process and for that we are so very grateful. With my partner working away all week, it was difficult for me to get it all done on my own but with thanks to Lawrence and Madhuri, it made my life easier! So thank you!
Daniel Inkley, London
My circumstances were quite complicated, and I did not have a standard scenario in terms of income and general situation. Nick and the team listened to my needs and offered solutions and ideas very quickly. My objective was to find an adviser who was flexible, easily contactable, and who offered transparent, visible solutions whereby I could easily keep track. Holder and Combes have fulfilled these criteria very well.
Annan Galloway, London
"I have been hugely impressed by Ed's responsiveness and the time that he and his colleagues have taken to guide us through some big decisions for us investment-wise. While we are no doubt small-fry in comparison to a lot of their clients, and are approaching the world of investments with very limited knowledge and experience, Ed and the team have always ensured that we feel like highly valued clients, and nothing is too much trouble. The more recent work that Justin has done with us on our mortgages has been very attentive and we are very grateful for all the time he has spent with us and working to secure the best deals for us. Ed's no nonsense, straight talking approach has been most reassuring and instilled a lot of confidence in us as novices. Thanks for the ongoing support and advice.
Jennifer Millins, London
I have just completed on the purchase of my property with the help of Holder and Combes. I could not have done it without Lawrence and Madhuri. They were amazing from start to finish. Lawrence took me through the whole purchase process from the beginning, guiding me and assisting me throughout my purchase. He encouraged me not to give up even when the first lender turned me down after the valuation, persuading me to try another lender and our persistence paid off. I could not have done it without him. I truly can’t recommend them enough. They don’t leave you until everything is completed. Even when my case was in the hands of the solicitors, Madhuri was still on the case making sure everything was done in a timely fashion. Thank you very much Lawrence and Madhuri. You made this whole experience easy and straightforward. I will be recommending you to everyone wanting to buy a property in the future. I will definitely be in touch with you for my next property purchase.
Abena Brago, London
My wife and I completed our first ever - not so standard - property purchase with the help of Lawrence and Madhuri from Holder & Combes in September 2016. From the moment we got in touch with them until completion and even beyond that, they showed great professionalism and efficiency. Furthermore, they were both very prompt and approachable via email, phone and in person. We felt they genuinely cared about our application and pulled out all the stops to achieve what we needed. We cannot thank them enough for their help. I will definitely recommend them and use their services in the future.
Gergo Szabo, London
We've had a positive experience so far regarding our investment advice from Holder and Combes. Not only was the approach friendly and personable, but we were given excellent advice on how to maximise our tax savings through our investment. In tax savings alone we will recoup a fair amount of value from the money invested and in the long time we are optimistic about returns from the investment itself
Fay Margo, London
Madhuri and Lawrence were very professional and extremely helpful throughout the process. As first time buyers we had lots (and lots) of questions which Madhuri and Lawrence were always quick to answer and never made us feel like any question was too silly. We were under a lot of pressure to move the process along quickly as our sellers had received other offers, and Madhuri was absolutely fantastic in speeding things along, organising for our mortgage application to be fast-tracked and constantly doing everything possible to ensure it went through as smoothly as possible. We would have absolutely no hesitation in recommending Holder & Combes to others and would definitely use them again.
Andrew Burgoyne, London
I moved to H&C about a year ago. I have found them to be very knowledgeable, helpful and creative. They have helped me with my pensions, life insurance, company investments and a mortgage on an overseas property. So far the returns that have achieved have been way more than I was previously seeing. Thank you all and please keep it up.
Lawrence Abramson, London
Lawrence and Madhuri at H&C have guided and assisted us through what could have been a stressful venture. We are both working and in our 60s, but were finding it difficult to get our mortgage paid off, and didn't want to downsize or move. However, they have helped and assisted us every step of the way, prompting and reminding, reassuring and guiding us until we are now in the position where the mortgage on our main residence is paid, and our new buy to let mortgage is paying for itself. They are approachable, knowledgeable and responsive to emails and phone calls, and I wouldn't hesitate in recommending them for anything mortgage or pension-related, particularly if you are busy with more interesting stuff, and finance isn’t your bag. Their patience knows no bounds.
Jacqui Dickson, London
I was recommended to speak to Nick about my pension requirements as I was looking to retire imminently and needed someone to explain my options in a clear manner. Nick and Jack were very professional and took the time and trouble to explain the process and my options. I am very happy with the solutions that they provided and like their approach and attention to detail. I have recommended Holder and Combes to a number of my colleagues as I think their service is first class and they always look to provide the best solution for their clients.
Graeme Johnson, London
Our combined ages of 140 and fixed pension income definitely counted against us in our search for short-term mortgage finance. Routine enquiries on the High Street produced nothing. The name of Holder & Combes appeared in a web search. Initial appointments with Lawrence were more encouraging but it was clear that our risk profile was generally at odds with most lenders’ criteria. Lawrence worked tirelessly to maximise the amount we could borrow whilst keeping the mortgage product fees under control. We eventually were offered over £160,000 but this was not the end of the trail for Holder & Combes. Madhuri had to work on our behalf for weeks to satisfy the lender’s apparently insatiable appetite for documentation in respect of our personal circumstances and financial stability. She and Lawrence made a great team. We are pleased to report that we completed the re-mortgage of our London apartment and completed the purchase of our new Chester apartment in three days in the week before Christmas.
Robert Ashton and Catherine Bond, London
Madhuri and Lawrence have made the whole process of sorting out our mortgage very smooth indeed! So much so, that we have asked Holder and Combes to support us in sorting out our life insurance as well as our savings for the future education of our 4 children! Thanks for everything.
Jenny Johnston, London
Holder and Combes came highly recommended to me and showed me continuously that they were professional and acted with only my best interests throughout the process. They overcame a very complicated process due to mistakes by other parties and showed they are the best at what they do, thank you for helping me buy my first home.
Simon Inkley, London
I am extremely grateful again to Lawrence and Madhuri at H&C for all their work on our recent re-mortgage. This time we had a rather unusual situation and Lawrence managed to find and explain a product that would save us a great deal of money. Having now completed my 3rd mortgage via Lawrence, I would have no hesitation in recommending his and his company’s services. The team are knowledgeable, helpful and above all have a friendly and approachable attitude which is essential for navigating today's financial minefield.
Craig Westwood, London
Nick has been involved in looking after my investments since early 2008. I want to note that I have always been very happy with his gentle guidance and explanations of the markets over the years. I hope to remain a client of Holder & Combes for years to come
Anthony Brown, London
We’ve used Holder & Combes to help us with our remortgages for nearly 10 years. I simply wouldn’t consider going to anyone else! Their expertise is second to none. They always provide creative solutions, demonstrate understanding and access to market rates that you won’t find trying to do it yourself, and always save us thousands of pounds in the process. To steal a quote from the legal industry, “The man who represents himself has a fool for a lawyer”. This applies equally to the person who tries to remortgage without Holder & Combes’ advice!
Martin Williams, London
THIS IS NOT JUST A TESTIMONIAL!!! Madhuri and Lawrence did a fantastic job getting me out of a sticky situation and turning it around with speed and efficiency As a property investor I didn't want to lose this particular deal. Due to a previous broker who nearly lost me this deal. I needed help quickly ..... Lawrence delivered immediately Madhuri tied up everything giving it a sexy and glossy finish Highly recommend them to anyone seeking advice and financial products Thanks guys 🙂
Ruzina Begum, London
Thank you for everything and putting up with the chops and changes in circumstances. You’ve been great and I know you put me first above everything else at times. So from the bottom of my heart, Thank you for everything. I wouldn’t have been able to do any of this without you, so i'm grateful and thankful also.
Amandip Sangha, London
I was recommended to contact Holder and Combes by two separate friends and I am so glad I took their advice. Nick helped me through what had seemed a very confusing financial minefield. I now understand my finances and my financial future feels much more secure.
Lesley Scarth, London
Since I started working with Ed holder I have never looked back. I feel like I’m with a company who are 2 steps ahead of the game and feel very safe in their hands. They are modern , extremely smart and very easy to talk to and are always there if I have any questions.
David, Belfast
I first discovered Holder & Combes via an online search while looking for a London-based IFA. They have been helping me manage my finances for around two years now. The advice I receive is straightforward, reliable and tailored to my circumstances. In addition, they efficiently handle much of the paperwork and provide regular updates on my investments, which I find a real help. I recommend them to anyone looking for a capable and friendly team of advisers.
Richard Mallinson, London
My wife and I were looking for some pension advice regarding a poorly performing pension that we had for some years. After doing lots of internet research we came across Holder and Combes and decided to use them for our financial planning, its the best decision we ever made! From the outset Nick explained everything in a language we could understand and with his guidance, we now have our pensions and ISA's all in one place and we are able to view their progress on our own online platform. We can't recommend Nick and his team highly enough to anyone seeking honest Financial advice.
Lorraine & John Goodman, London
I have had investments with Holder and Combes for 3 years now and have full confidence in Nick and the team to manage my financial interests, especially in these current challenging times. Holder & Combes have a friendly, open and thorough approach which I like. Information and guidance is clear and informative and enables me to keep my financial objectives on track. A big thanks to all at H&C.
Richard Goldsmith, London
Working with Lawrence has been a breath of fresh air. As a first time buyer, he took me through the best options available as well as offered advice on timings and lender. What was a stressful buying process was made far more bearable when dealing with Lawrence.
Edward Ellis, London
We had a very complex set of remortgages to do this year. Moving two residential mortgages into a smaller company one, remortgaging and borrowing more on a buy to let and our own home and remortgaging another buy to let. These all had to be synchronized quite carefully so we could get the cash flow right whilst getting the best deals. Lawrence and Madhuri made this easy for us. They found some great deals across the board, despite our niche requirements, got us the money we needed and took away much of the duplicate pain we expected to endure through this process. They were the glue that held it all together, anticipated to asks and outcomes correctly and were far more proactive than any of the lenders or solicitors involved. We are now paying less to borrow more and have a much better structured portfolio, we have recommended their services to friends and family and will continue to do so
Ben Grinnell, London
I was recommended Holder and Combes by my accountant. I like the way they try and truly understand me and what is important for my future. They come up with interesting ideas and solutions and explain things clearly. In addition, I personally deal with Ed Holder and I always find our discussions rewarding and enjoyable. Terrific all round.
David Gold, London
Lawrence and Madhuri took a huge amount of the stress out of arranging my first mortgage – their advice and efficiency was a godsend. I’ve already recommended them to my brother and to a close friend as reliable and effective.
Laura Burgoyne, London
Holder and Combes have proved to be an invaluable resource for all aspects of our financial planning. They have taken the trouble to get to know us and our needs properly before suggesting a plan of action. Ed speaks in plain English and genuinely seems to relish the task of restructuring our finances to improve our quality of life. He goes the extra mile to find a solution to the knottiest of problems. I would recommend them without reservation.
Jolyon Symonds, London
Where to find us

20 Little Britain, St. Paul's, London, EC1A 7DH

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About us

We are a 12 person firm of Chartered Financial Planners based in London. We offer independent, face to face financial advice to both private clients and small to medium enterprises.

We are passionate about helping people organise their financial affairs to achieve the best possible outcomes, distributing their income and savings in the most efficient way so that their financial goals are met while allowing them to get on with living!

We are very proud to be one of the very few financial firms in the City to have been awarded ‘Chartered Status’, putting us in the top few percent in terms of professionalism and qualifications.

We firmly believe in empowering our clients so that they not only understand and are comfortable with the plans we set up, but really engage and interact with the planning process to get as much out of our service as possible. We always do everything we can to ensure our advice is straightforward and exceeds expectations.

Our clients see us as the fist port of call whenever they have a money related question or query. If we are unable to advise directly, then we have an established network of professionals in accountancy and law.

Our services

Pensions, Investments, Tax, Cash Flow Modelling.

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