Tom French & Associates

Independent Financial Adviser  TFA Ltd, St. Austell, Cornwall, PL25 4FD
First meeting at adviser's own cost
Based in Truro, we offer Independent Financial Advice both face to face and remotely, depending on your preference and location.
We can advise you on
Annuity purchase
Auto enrolment
Pension consolidation
Pension drawdown
Pensions & divorce
Pensions & retirement planning
Pensions review
Pensions transfer
Bad credit
Building your home
Buy my next home
Buy to let
Buying commercial property
Buying first home
Equity release
Flexible mortgages
High loan to value
Next home / Remortgaging
Right to buy
Self-employed mortgages
Wealth management
Ethical investments
ISA / Unit Trusts / OEICs
Investing for income
Investment trusts
Offshore investments
Socially responsible investments
Traded endowment policies
Unit trusts
Lump sum
Regular savings
Savings for children
School fees planning
Accident & sickness
Buildings and contents
Critical illness
Income protection insurance
Life insurance
Small business
Capital gains tax
Estate planning
Income tax
Taxation planning
Employee benefits
Group Pension/Stakeholder
Group Protection/Life Insurance
Group critical illness
Group income protection
Group life insurance
Group private medical insurance
Long term care
Response rating
FCA authorised
Last authorised 16th November 2020
Meet our advisers
Paul Grey
Independant Financial Adviser

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 and ethics, personal taxation, investment principles and risk, pensions and retirement planning, financial protection

This qualification assess a knowledge and understanding of the Financial Services environment, UK Financial Services and Regulation, the principles of investment, investment products, financial protection, retirement planning and investment advice knowledge.

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

What our clients say
Paul helped us re-mortgage and he was very thorough and professional throughout keeping us informed at all times as things changed. Highly recommended!
Robert, Devoran
Paul is brilliant mortgage adviser. He is not very pushy like other adviser you find in market. He understands your requirement and give you the best possible quote.I would recommend paul to anyone who is looking for mortgage.
Amit, Erith
When my brother and myself met Paul we found him extremely professional, knowledgeable and easy to deal with. I couldn't rate Paul enough for all the work he did for us and its paid to not go to my bank due to far better deal Paul got me!!
James, Wheal Busy
Paul works tirelessly on your behalf and offers professional, expert advice. Highly recommended.
James, Foxhole
Incredible service, really helped make the whole process simple, he even managed to sort my protection stuff out too!
Dave, Truro
Paul Grey is proffesional and friendly. He helped us with our pensions and explained what was happening so that we could understand everything. I would recommend him to anyone. Thanks Paul you're a star.
Jasmine, St Austell
Paul helped me with a re-mortgage, and then sorted my neglected pension pot. His patience (and diagrams!) are much appreciated, and i would not hesitate to recommend him to help you too! Thanks Paul
Nick, St Ives
A great financial adviser. Paul has helped us to re-mortgage and enable us to release capital from our residential property. It wasn't straight forward as it also involved foreign income. Paul had the knowledge and the patience to deal with our complicated situation and was always available to inform us of our progress. I would not hesitate to recommend Paul to any of our friends and family and I am sure that in the near future we will use his expertise again. Thank you.
Michael, Constantine
Really nice guy - explains financial jargon well and keeps in touch every step of the way - recommend 100%
Scott, Truro
One of the best financial adviser. Highly recommended.
Rajeeve, Cheshunt
Paul helped me with the re-mortgage and the service of his team was excellent. Everything went very smoothly and I had no hesitation in recommending his services to my friends, families or anyone in need of the service, I wish I would have found him earlier then would have saved lot of money. Thanks Paul
Anil, Southall
It's an absolute pleasure to recommend Paul to anyone who is looking for a financial adviser. My husband and I have known him for years; he has arranged two mortgages and two re-mortgages for us. He has also found the best life insurance policies for both of us when we were undecided. His knowledge and expertise are exceptional. He is always there to help in person and at the end of the line. We are looking forward to working with Paul on our next project in the near future. THANK YOU!
Agnes, Truro
Paul is everything you want and just a little bit more when trusting someone with your investments. Factual, reliable and trustworthy, if your looking for someone to accelerate and further your portfolio, Paul's your man.
Lyndsey, Ashburton
Paul has been extremely helpful to myself & my husband. I very nearly made a grave error with my personal pension,once I realised I was out of my depth I spoke to Paul who sorted it for me very quickly. He is always on the end of a phone or email & replies very quickly. He is now helping us sort another financial issue & I am sure we will be equally pleased with this out come. Thank you Paul
Val, Falmouth
Paul helped me re-mortgage and provided a great service from start to finish. He made the financial jargon simple and easy to understand. It was a quick and smooth process and Paul stayed in touch updating me on a regular basis. I would recommend Paul to my family and friends and will use him again in the future. Thank you Paul
Nicola, Threemilestone
With Paul's advice and support, remortgaging and sorting out suitable life insurance has been easy. Paul is always contactable and deals with any queries in a professional and efficient manner. We look forward to working with Paul again in the future.
Katie, Truro
I couldn't recommend Paul highly enough. He has been helpful, patient and informative. Paul is personable and friendly and is willing to take the time to go over things, break things down and he has helped me find my way though the fog of finances! He has communicated with me every step of the way and has responded swiftly to all my questions and anxieties. Great service!
Rachel, Perranporth
Very professional, approachable and thorough. Went the extra mile to ensure we got the best possible service. Many thanks.
Gill, Ruanlanihorne
Paul was really helpful when we had a difficult year selling and buying our new house.Paul was always available if we needed him he talked us through everything making sure that we also understood what he was saying .Paul is highly recommended
Lisa, Truro
The advice given by Paul has been excellent. He is a true professional who has constantly delivered at the highest level. Reliable, honest and understanding are some of the words I can use describe Paul.
Ravi, Enfield
Saw a few mortgage advisers and Paul got me the best deal by far! Great to work with and offers great advice on personal cover! Nothing is to much trouble and incredibly helpful. Will use again for any of my financial needs!
Aaron, Redruth
Great service and advice, I would highly recommend Paul to anyone needing financial services. Our remortgage was painless and saved us some money in the process.
Colin, Perranporth
Paul made everything so easy for me and my partner when getting our mortgage. So helpful and nothing was to much trouble. Definitely will recommend!
Abby, Ladock
I've found Paul has been extremely helpful with everything I've thrown at him. He's friendly and always replies as quick as he can. I will not be using anyone else. Sorry Paul but you're stuck with me now. Thank you for all your hard work.
Jena, Blackwater
Paul helped my wife and I remortgage our house. He made everything as easy as possible and was always available when we had a query at a very reasonable price too! We had issues with the lender due to my wife being on maternity leave but despite them being very difficult, Paul made it very easy for us and dealt with it all. Speaking from experience of dealing with other financial advisors I can say Paul is top drawer and we'll definitely be giving him a call again next time round.
Michael, Portreath
Very professional service, would definitely recommend
Victoria, Troon
Dealt with our property purchase in a timely and efficient manner. Oversaw every spanner that was thrown into the works by a very complicated purchase. Have gone back to him to help with our protection plan, would highly recommend.
Russell, Worcester
Paul was extremely efficient, he would always get back to me the same day with paperwork and with answers to my queries. He kept on top with chasing the mortgage company as I have a short time frame for completion. Paul made sure that I had the best deal and anything else I needed, he was very professional and I would highly recommend using Paul to anyone looking for a mortgage.
Jess, Basingstoke
Paul has been extremely helpful with problems I have had with a loan company and helping me set up my life insurance , so that my family are secure when I pass on. Very helpful and Friendly always replies to messages. Five star service always.
Deborah, St Stephens
Following an unfortunate change in my personal circumstances I urgently needed to remortgage. Paul was highly recommended to me by a mutual friend and I was delighted with the service I received from start to finish. I found him to be professional, patient and clear, ensuring I fully understood every step. After making the urgency of the situation clear to Paul during our initial consultation I can't say how impressed I was with his dedication to help me within the challenging time frame I'd set. The biggest compliment I could pay would be that I would definitely use his services again in future and wouldn't hesitate to recommend to others. Thankyou!
Ben, St Austell
Fantastic advice given and top notch knowledge of the whole mortgage market. So much more affordable than I expected, all I need to do is find a house now! Would highly recommend!
Adam, Blackwater
Paul is extremely professional and knowledgable. I was so thankful for his help, he really exceeded my expectations, as sometimes these things can seem quite daunting. Looking forward to all future business with you and recommending you to all of my family and friends! Thank you.
Seija, Truro
About us

The financial world is ever changing & at a growing speed. The pit falls & opportunities are vast.

My job is working for you, guiding you through one step at a time, so you don’t have to worry about this financial jungle.

In todays complex and fast paced industry, receiving truly independent advice has never been more important.

In addition to being able to offer you this, having access to the whole of the financial market ensures you will get the best and most relevant advice possible.

Our services

There is an abundance of financial advice available so there is a lot of choice for you. However where I am different is that I want to help and guide you through the financial pit holes and opportunities, not just for the next 5 years, but for the next 30 – 40 years. It is evident that this is an aging industry and in need of the new generation coming through to help clients. If you don’t want to change advisers every few years and want someone to be there every step of the way, give me a call.

Where to find us
Head office address: TFA Ltd, Unit 3, St Austell Business Park, St. Austell, Cornwall, PL25 4FD
Preferred clients
Minimum wealth (income/assets)
Minimum pension value
Minimum mortgage value
Advice methods
  • phoneButton
  • mouse
    Online (Live chat, video, email)
  • icons
    Face to face
Response rating
FCA authorised
Last authorised 16th November 2020

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