One Financial Solutions Ltd

Independent Financial Adviser  Bourne House, Whyteleafe, Surrey, CR3 0BL
First meeting at adviser's own cost
Whole of market advice to personal/corporate clients specialising in profit extraction, retirement, protection, investment planning and employee benefit packages.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Bad credit
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Building your home
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Buy my next home
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Buy to let
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Buying commercial property
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Buying first home
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Buying overseas
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Equity release
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Flexible mortgages
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High loan to value
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Buildings and contents
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Commercial motor
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Critical illness
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Healthcare
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Income protection insurance
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Large business
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Life insurance
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Payment protection insurance
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Small business
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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EEA
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Rest of world
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Commercial mortgages
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
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Sharia finance
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 1st June 2020
Meet our advisers
Wayne Griffiths
Managing Director

This qualification allows mortgage professionals to become qualified in more specialist areas such as supervising in a regulated environment, alternative residential learning and customer care.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

This qualification helps advisers develop and demonstrate their financial planning capabilities.

This qualification assesses a knowledge and understanding of key elements of the mortgage process, specialist types of mortgage lending, challenges in the mortgage industry and the giving of mortgage advice.

This qualification assesses a knowledge and understanding of the mortgage process and the principles of equity release.

Barry Vanderpant

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

Amit Mittal

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

Dan Karim BA (Hons) Financial Services

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

Christine Tucker

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

This qualification helps advisers develop and demonstrate their financial planning capabilities.

This qualification assesses a knowledge and understanding of the mortgage process and the principles of equity release.

Paul Keeley

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

What our clients say
Wayne is a long-established partner to the business, having been involved with the business, its board and employees for many years. Wayne advised and guided on all manner of matters concerning employee benefits, pension and AE, as well as providing 1:1 advice and guidance of senior Board members and other employees. As always, we have seen the outcome you were hoping for.
ABC Limited, Buckinghamshire
I was looking for a financial adviser to help me with Auto Enrolment. Wayne was very helpful and precise in his advice. I have seen the outcome I was hoping for. Nothing could have been done better, One Financial Solutions have been perfect in their advice and support.
Limited Company, Surrey
I was looking for a financial adviser because I wanted sound independent advice. Wayne Griffiths was very professional and impartial; he gave me options with detailed advice on why he would recommend them. I never felt pressured and always felt he gave advice that was relevant and well balanced. I have definitely seen the outcome I was hoping for. Wayne has been more helpful and I have recommended him to many friends and colleagues who all have been very happy.
Ms C, Surrey
We were looking for a financial adviser because you need to reply on financial advice when taking out the biggest debt of your life (Mortgage). Wayne and the team were brilliant in helping us find the right deal. Wayne also ensured that it was protected should the worse happen to me or my wife. He didn't leave a stone unturned and made sure the insurance was best suited to our circumstances. We have 100% seen the outcome we were hoping for. Can’t recommend Wayne and the team enough. They couldn’t have done any better.
Mr and Mrs A, Cardiff
: I have completed a remortgage and needed specific advice to get the right deal. I work in sales and borrowing on this basis can be difficult based on what certain lenders will allow you to borrow. Wayne worked with me to fully understand where I wanted to get to and provided some great options on how I could achieve what I needed - We had a number of options at the end and I am delighted with the result as the process and outcome was not guaranteed. I have absolutely seen the outcome I was hoping for, very pleased, his team were excellent as well, communication was consistent, proactive and clear at all times. On this occasion nothing could have been done better- a very pleased client.
Mr and Mrs H, Surrey
I wanted to look for the best possible mortgage, and was told that Wayne and his team would help me do this. I also wanted to take my mortgage term down as well as take equity out. Wayne and his team found me the best deal that suited my circumstances. I now have a new mortgage, I have taken equity out for home improvements and also taken my term down by 3 years. We’re very happy with the outcome; a very smooth experience from start to finish. I feel that everything was handled excellently- emails and calls were answered straight away. There were no delays.
Mr and Mrs T, Cardiff
I wanted to remortgage and I found Wayne in an information booklet. I received the outcome I was hoping for. Normally I love to give constructive suggestions however I was taken through every step of the process. Wayne and his team kept me informed of what was going on and why.
Mr and Mrs S, Surrey
I was looking for a financial adviser to rearrange my finances after previous bad advice. Wayne sat with me and worked out my finances and how to move forward. Wayne was very easy to talk to and understood my concerns, he worked with me every step of the way and made it easy to ask questions. Since meeting Wayne I have remortgaged which included adding previous loans, and saved me a lot of money in the process. The policies that they were able to get were much better and I was sent all the documents with instructions. I was also able to ask questions and get the answers quickly so I could decide what to do. At the moment I can't think of anything that they could have done better, I had great personal and professional service form Wayne and would definitely use him again.
Mr and Mrs C, Cardiff
I wanted to look for the best possible mortgage, and was told that Wayne and his team would help me do this. I also wanted to take my mortgage term down as well as take equity out. Wayne and his team found me the best deal that suited my circumstances. I now have a new mortgage, I have taken equity out for home improvements and also taken my term down by 3 years. We’re very happy with the outcome; a very smooth experience from start to finish. I feel that everything was handled excellently- emails and calls were answered straight away. There were no delays.
Mr and Mrs T, Cardiff
I wanted to remortgage and I found Wayne in an information booklet. I received the outcome I was hoping for. Normally I love to give constructive suggestions however I was taken through every step of the process. Wayne and his team kept me informed of what was going on and why.
Mr and Mrs S, Surrey
We were moving home and wanted mortgage advice from and independent financial adviser who had access to the whole of the market. We also wanted to take the opportunity to review our family protection. After taking the time to understand our circumstances, Wayne recommended a mortgage product that suited our needs and budget. He also explained his recommendation in simple terms without the usual jargon. Wayne kept us informed throughout the application process so we were fully aware of what we needed to do and why. We can honestly say that Wayne alleviated much of the stress caused in the home buying process by simply updating us regularly and being available to answer our queries. Wayne's recommendation was spot on according to our needs. We have settled into our new home and are happy. Wayne is now firmly embedded as the financial adviser to our family.
Mr and Mrs L, Surrey
I wanted to remortgage and I found Wayne in an information booklet. I received the outcome I was hoping for. Normally I love to give constructive suggestions however I was taken through every step of the process. Wayne and his team kept me informed of what was going on and why.
Mr and Mrs S, Surrey
We were moving home and wanted mortgage advice from and independent financial adviser who had access to the whole of the market. We also wanted to take the opportunity to review our family protection. After taking the time to understand our circumstances, Wayne recommended a mortgage product that suited our needs and budget. He also explained his recommendation in simple terms without the usual jargon. Wayne kept us informed throughout the application process so we were fully aware of what we needed to do and why. We can honestly say that Wayne alleviated much of the stress caused in the home buying process by simply updating us regularly and being available to answer our queries. Wayne's recommendation was spot on according to our needs. We have settled into our new home and are happy. Wayne is now firmly embedded as the financial adviser to our family.
Mr and Mrs L, Surrey
I was looking for a financial adviser to rearrange my finances after previous bad advice. Wayne sat with me and worked out my finances and how to move forward. Wayne was very easy to talk to and understood my concerns, he worked with me every step of the way and made it easy to ask questions. Since meeting Wayne I have remortgaged which included adding previous loans, and saved me a lot of money in the process. The policies that they were able to get were much better and I was sent all the documents with instructions. I was also able to ask questions and get the answers quickly so I could decide what to do. At the moment I can't think of anything that they could have done better, I had great personal and professional service form Wayne and would definitely use him again.
Mr and Mrs C, Cardiff
I wanted to look for the best possible mortgage, and was told that Wayne and his team would help me do this. I also wanted to take my mortgage term down as well as take equity out. Wayne and his team found me the best deal that suited my circumstances. I now have a new mortgage, I have taken equity out for home improvements and also taken my term down by 3 years. We’re very happy with the outcome; a very smooth experience from start to finish. I feel that everything was handled excellently- emails and calls were answered straight away. There were no delays.
Mr and Mrs T, Cardiff
: I have completed a remortgage and needed specific advice to get the right deal. I work in sales and borrowing on this basis can be difficult based on what certain lenders will allow you to borrow. Wayne worked with me to fully understand where I wanted to get to and provided some great options on how I could achieve what I needed - We had a number of options at the end and I am delighted with the result as the process and outcome was not guaranteed. I have absolutely seen the outcome I was hoping for, very pleased, his team were excellent as well, communication was consistent, proactive and clear at all times. On this occasion nothing could have been done better- a very pleased client.
Mr and Mrs H, Surrey
I was looking for a financial adviser to rearrange my finances after previous bad advice. Wayne sat with me and worked out my finances and how to move forward. Wayne was very easy to talk to and understood my concerns, he worked with me every step of the way and made it easy to ask questions. Since meeting Wayne I have remortgaged which included adding previous loans, and saved me a lot of money in the process. The policies that they were able to get were much better and I was sent all the documents with instructions. I was also able to ask questions and get the answers quickly so I could decide what to do. At the moment I can't think of anything that they could have done better, I had great personal and professional service form Wayne and would definitely use him again.
Mr and Mrs C, Cardiff
We were moving home and wanted mortgage advice from and independent financial adviser who had access to the whole of the market. We also wanted to take the opportunity to review our family protection. After taking the time to understand our circumstances, Wayne recommended a mortgage product that suited our needs and budget. He also explained his recommendation in simple terms without the usual jargon. Wayne kept us informed throughout the application process so we were fully aware of what we needed to do and why. We can honestly say that Wayne alleviated much of the stress caused in the home buying process by simply updating us regularly and being available to answer our queries. Wayne's recommendation was spot on according to our needs. We have settled into our new home and are happy. Wayne is now firmly embedded as the financial adviser to our family.
Mr and Mrs L, Surrey
My fixed term was due to come to an end and I wasn't going to do anything- I was just going to let the bank send me the new rate, but a friend of mine advised that I should speak to Wayne as he highly recommended him. I am so glad I took my friends advice as Wayne got me a much better rate, the service was really efficient and Wayne and his team were really helpful. The outcome is even better than what I was hoping for, I have recommended Wayne on numerous occasions since he helped me and I will continue to recommend him. Nothing could have been done better as everything Wayne and his team did was really helpful.
Mr R, Surrey
About us

One Financial Solutions was formed in December 2012 and provides independent financial advice to retail and business clients, often encompassing both a client’s personal and business finances. We take a holistic approach realising, as much from our own personal lives as those of our clients, that life at home and life at work are usually inextricably linked.

Our principles:

* You, the client, come first.

* Integrity and honesty are fundamental.

* Our reputation is our greatest asset.

* We are professionals, providing a professional service in a professional industry.

* We are fiercely independent.

* We give financial advice across the entire market.

* We are individuals but work as a team.

Our services

Providing whole of market advice to personal, commercial and corporate customers, specialising in profit extraction, retirement planning, employee benefit packages, and all aspects of investment and protection solutions. Working under the 2plan wealth management network, we are able to proactively plan for our clients’ current and future needs and can provide commercial and general insurance solutions as well as residential, commercial and buy to let mortgages. Via our network of contacts we can assist with re-broking of banking and all types of lending requirements.

Where to find us
Head office address: Bourne House, 475 Godstone Road, Whyteleafe, Surrey, CR3 0BL
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£250,000
Advice methods
  • phoneButton
    Telephone
  • mouse
    Online (Live chat, video, email)
  • icons
    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 1st June 2020

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