Expert Independent Financial Planning Ltd

Independent Financial Adviser  79 College Road, Harrow, Greater london, HA11BD
First meeting at adviser's own cost
Helping you live life to the fullest through proper 'Lifestyle Financial Planning'.
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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Buy to let
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Buying first home
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Flexible mortgages
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Mortgage protection
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Next home / Remortgaging
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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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Regular savings
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Savings for children
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School fees planning
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Critical illness
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Healthcare
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Income protection insurance
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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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Corporate pension
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Employee benefits
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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
Response rating
7.0/10
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FCA authorised
Last authorised 19th October 2020
Meet our advisers
Amit Mittal
Principal Financial Planner

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.

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

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

What our clients say
He’s the most helpful adviser I’ve encountered. Amit’s integrity shines through. I approached him several times for several services. All was spot on.
Hemel, Buckinghamshire
I was looking to purchase a new home or second home for investment purchases. I needed to release equity from my current home to be in a better position to have a deposit. Amit explained the procedures and the options that i had to me. He also was able to help me get a very good mortgage deal Yes i was able to release some equity for a deposit and also obtain a very good rate for the new mortgage. I honestly don't feel anything could have been done better. Amit was very helpful with all of my questions and explained all possible outcomes for me.
Stephanie, London
Recently I got some money from Company shares, Amit Mittal advised me on the best way to invest this money. I have only just invested this money and hope it will do well. I don't think Amit Mittal could have done any better. He advised us on all the options and helped us to make a decision.
Sangram, Middlesex
My company pension came up for review. Received some money from sale of company shares Amit Explained all the relevant questions very clearly. He took his time and was patient with us. We have only just joined Amit but vere very happy with the advice given. I cannot think of anything else that Amit could have done better. So far a very satisfied customer.
Doris, London
I wished to get some sound and productive advice in respect of inheritance tax. Amit was extremely helpful and opened up the possible options that I could think about and consider. Since this was my initial and only consultation with Amit, I will only see the outcome once I consider and take up the options available to me. In my view, I do not think Amit could have done anything more than what he did and the options that he opened up to me.
Helen, London
Wanting to make use of pensions allowance and consolidating pensions Amit took care of consolidating old pension plans and advised on making use of pensions allowances and how these could be invested. He also provided advice on ISA investments. Amit was helpful in consolidating the pensions and provided a balanced view on ISA investments.
Khetan, London
I was approaching retirement date and was looking for the best way to invest a variety of pension funds. Amit helped us to evaluate our outgoings for retirement and looked at the best way to invest our funds for the future We have followed the advice given and await the results over the next few years We feel that Amit has done his best to explain everything in a way that we could understand
Noel, Middlesex
We had excess money from policies maturing and were looking to invest. Amit discussed various ways of investing and what would suit us best. Amit has done his homework in looking for best investment opportunities for our money and has advised us regularly.
Kirit, Middlesex
I was looking for retirement planning and protection for the family. Amit reviewed existing policies with recommendations. Pension products advice and pension transfer advice. Amit has been very helpful in reviewing and making recommendations on our retirement and protection planning.
Trishna, London
As there were several pensions involved it seemed the sensible option to consult with a specialist. Amit explained the options layman’s terms.We have only just completed all paperwork & await the outcome with more optimism than before.
Susan, Middlesex
I was approaching my retirement date and found it very confusing wading through the miriad of options available for my various pension pots and savings. We contacted Amit through a trusted website in order to explain and simplify matters for us. Amit visited us at home and went through all of our retirement needs and current expenditure and explained in layman’s terms what we need to do in order to get the best return on our investments to provide for our retirement We have just finalised our options but are happy with the solutions put forward by Amit. We felt very relaxed with Amit and are confident that he worked with our best interests in mind. I really cannot think of anything else that Amit could do to improve on the quality of service. He made the whole process as easy as possible
Noel, Middlesex
I wanted to take out a critical health insurance policy Amit found me a critical health and life insurance policy which suited my circumstances. My policy was effective immediately.
Haseena, London
Five years ago I had to sell my own home in order to move in with my elderly mother to care for her. I therefore had a substantial sum of money from the sale of my home and I needed to DO something with it! Amit understood my situation. He knew that when my mother died, as she did in march this year, I would need to 'cash in' some of the sum invested. Her house was left to my brother and myself. I intend to stay here and I needed to be able to buy his share of the house from him. So some of my investments would not be long term. Probate has been granted, the ownership of the house transferred to my name and my brother recompensed for his half share of the house. During the time the money was invested, it achieved a good return and, perhaps, more that I was expecting considering the poor state of the £ and all the turmoil over Brexit.I am not an habitual invester. This was the first time in my life that I had ever had a substantial sum of money to invest and so I don't think that I am qualified to say whether or no some other adviser could have done better. All I CAN say is that I am very satisfied with what Amit did for me.
Janet, London
I had money to spare and no idea how to save or invest it, so needed expert advice.he explained the options. Amit explained the options clearly and in terms I could understand,and together we reached a suitable way to proceed. I am very happy with his services and constructive advice. So much so that he has now given the same assistance to both my daughters and my husband, on my recommendation.
Elfreda, Middlesex
To get the best mortgage product for my upcoming renewal. Very quick turnaround. Amit provided the best options available for me. I got the product I wanted in super quick time.
Pankaj, Middlesex
Needed to take a CL and Life policy out for my wife and I. Amit gave the best advice and service to obtain a good value price of the insurance we wanted.
Nav, Middlesex
Having sold our house we were left in a good situation where we had some money to invest. Amit was exceedingly helpful. Not only was his advice comprehensible, he kept it very simple; needed for someone like me. He went over all options very patiently and never once pushed us into a situation. He always ensured that we knew exactly what each decision meant and created a bespoke package for us. Amit also tailored his meeting times around us as well as meeting us at locations that favoured our weekly schedule. This was so ideal as it meant that we could carry on with our son going to his activities and also the school run was not interupted We have seen a good return on our investment and are able to invest for the forthcoming year.There was nothing more that Amit could do. He has done everything to ensure that we have been comfortable and well-met during each session with him as well as great advice over the phone.
David, Middlesex
Amit helped me to find the best mortgage products to suit my requirements. He was very flexible and kept me updated during whole process. He even arranged a better product which was launched by the lender halfway through the process. The whole remortgage process went very smoothly and effortlessly.
Pankaj, Middlesex
I had money to invest from inheritance, savings and pension. Amit prepared options for me. Gave me advice so I could make informed decisions. Amit set up investments for me. I felt Amit’s services were very thorough. I cannot think of anything I could suggest to improve.
Steve, Middlesex
We sold a property and had some money left over to invest. Our lawyer referred us to Amit as a Financial adviser. We met a couple of Financial adviser before we met Amit. Amit was very different from the others. The other advisers were very pushy and I couldn't understand half of the things they were explaining. Whereas Amit is very knowledgeable in his domain. He is very patient and ensure that we understood what we were doing and kept asking us if we were comfortable with what he was suggesting before moving ahead. I will strongly say that Amit truly has his client best interest in mind . He is very understanding, patient and caring. He treat us as a family member and work around our commitment. We have seen a good profit this year and we are very pleased. In my opinion, he is a fantastic human being and a great and dedicated adviser. He should continue the way he is working.
Priya, London
Looking to remortgage the property Amit provided me with all the details I requested. Amit also recommended the best suited options for me. Amit is really an expert in his domain. His services were perfect for me.
Vipin, Middlesex
I was looking for guidance for investing funds as I had not had good service from the adviser before. Amit listened to what I was interested in and explained about investments and how to get best returns. He also provided advise on how to invest. Its too early to comment on the pension arrangements as I've decided to defer it till 2019. As far as the investments are concerned, I'm happy with the returns. Amit covered all of the areas that I was interested in.
Kirit, Middlesex
I have no knowledge or understanding of finance, and needed professional help and advice. Amit explains things in terms I can understand, and I feel his advice is trustworthy. I am satisfied with his straightforward help and input.
Elfreda, Middlesex
I felt it was time to review my pension fund. Amit offered me advise on the advise on the best deal for me for the future. I was very happy with the way he explained by options, so I feel he offered me the best advise.
Teresa, London
I had to sell my maisonette in order to move in with my elderly mother to care for her and so I had the money from that sale 'hanging about' doing very little. I approached my 'bank' - the Nationwide - and met Amit through them. I was very happy with how he managed my investments and when he moved from Nationwide I was happy to go with him. Amit was able to reassure me as I had never had investments before and he took me through step by step making sure I had the right level of risk. He explained everything clearly. I have had a very good return on my investments over the last 2 years and I have every confidence that that happy state will continue!.
Janet, Middlesex
My buy to let mortgage was coming out of fixed deal. Amit found out the right product according to our need and also advised us on protection plans. Yes I am very happy and satIsfield with the outcome of his advise. Amit is very knowledgeable and professional in his approach.
Narendra, Middlesex
I had money to invest and needed advice. He set up a portfolio of investments for me to provide a monthly income. I really think he did a great job. He is very approachable and friendly to work with. He carried out a very thorough assessment and research to find me the best portfolio.
Steve, Middlesex
As a recent graduate and young professional, I wanted to gain advice to help secure my future as well as any future dependents. Amit was fantastic in explaining the pros and cons with the various paths available to me, and gave an honest analysis of my thought process moving forward. I have saved on my existing insurance policies, as well as gained strength in the policies that will hold for a long time and hopefully benefit in the long run. Great knowledge, honesty and already looking ahead to future possibilities.
Hemant, Middlesex
A complete review present investments, tax planning, investments in trust, insurance and inheritance protection. Amit was able to provide clear and concise proposals meeting my family investment needs. The review was effective and advise taken in terms of new investments and insurance requirements. Amit won our business in a professional manner. The investment and insurance products met our needs and were cost effective comparing the market. The investments are also doing well. Having seen other advisors, Amit was the best in terms of quality of advise, explaining products, following up with our questions, a professional and a non 'pushy' approach.
Mitul, Middlesex
We wanted to review our financial protection requirements and whether there was a need for replacement insurance. Amit explained everything in a way we understood and also very well, he understood our needs and concerns. The policy we received based on his advice was better than we would have got on our own, and we were clear and happy on the advice we received.
Kajal, Middlesex
I always trusted my bank to help me with managing finances and giving me the best advice in the past but after being referred to Amit by a colleague, I realised how much better off I was using the help of a professional. Amit invested his time in finding out about my needs before giving me any advice. It was only after he understood my preferences that he would match me with the right products most suited to me. Amit invested his time in finding out about my needs before giving me any advice. It was only after he understood my preferences that he would match me with the right products most suited to me. I am very happy and thankful with the way things have turned out and it's really a load off my mind. He has helped me with investment and savings initially after seeing the kind of professional he is I have decided to take advice on all my finances including mortgage and protection from him. I have tried very hard but am unable to come up with anything that would make him do his job better. He really is a genuine guy and a professional. Thanks for all your help.
Raj, Middlesex
We wanted to save money for the future and Bank account interest rates are not great. So we reached out to Amit to help us make some investments. Amit gave us advice not only on how to invest our savings to help it grow, but also about insurance products that can help us in the event of health issues etc. Amit went through our finances and gave very good advice on how best to save our money.
Sai, Surrey
About us

I founded Expert Independent Financial Planning Limited with the view to provide an Honest, Independent and Impartial advice to every one of my client.

My role is to help you identify ‘how much is enough to live your desired lifestyle’ now and well into the future through proper financial planning. The road to your goals may seem long and distant but once I understand the stage of life you are in, where you’d like to be in the future and use my experience, knowledge and skills, to help you scope out the journey in between to enable you live the life you want.

Our ‘Independent’ status allows us to use a whole range of financial products and services that are currently available on the marketplace to meet you where you are and help you achieve your number.

I take great pride in forging long-term trusted relationships where you receive 100% of our attention.

My aim is to arm you with your financial plan, put you in the drivers’ seat with total control of your financial future and give you the freedom to continue enjoying your desired lifestyle, ‘whatever happens’.

After all, we only have one life and we must live it to the fullest.

Our services

As a Lifestyle Financial Planner, listening and understanding your concerns and dearest aspirations is the key to me in formulating your financial plan. I have extensive experience which will help you achieve your financial goals. When most people come to me, they are looking for a long-term trusted relationship, where they can rely on my expertise and experience to help them achieve their goals and build a relationship they hope will span from generation to generation.

You may be planning to retire early, interested in passing your wealth to your loved ones without inheritance tax or searching for appropriate mortgage product to buy your dream home. Discussing these with an experienced and industry recognised financial planner will provide you with the clarity and reassurance that you will help you reach where you want to be.

For the last decade, we’ve been providing peace of mind and a sense of direction to all our clients who come from diverse backgrounds with varying concerns.

Where to find us
Head office address: 79 College Road, Harrow, HA11BD
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£250,000
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Response rating
7.0/10
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FCA authorised
Last authorised 19th October 2020

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