Discount Broker for investments, insurance & mortgages
Clubfinance Ltd is a discount broker providing an execution-only arranging service for UK residents for investments, insurance and mortgages. We don’t give advice or recommendations and we don’t assess the appropriateness of investments, but we do rebate the majority of our commission to benefit our customers.
If you know what you want we can often save you money.
We are authorised and regulated by the Financial Services Authority. You can confirm our status in the FSA Register available on the Financial Services Authority website (http://www.fsa.gov.uk), or you can telephone the FSA Consumer Helpline on 0845 606 1234 from 8am to 6pm Monday to Friday (calls charged at local rate).
We do not give advice. If you are in any doubt as to whether a product is suitable for you or you need financial advice, please seek a personal recommendation from a financial adviser. If you are in any doubt over whether an investment is appropriate for you, please contact an authorised and regulated firm that assesses appropriateness.
Investments, insurance & mortgages - Why use us?
For many providers and products, whether you go direct to the product provider or use an intermediary, part of the product charges represent commission that the product provider can pay to an intermediary. In the absence of an intermediary, the product charges are often the same, meaning that the ‘commission’ is effectively retained by the product provider. As your intermediary, we rebate or give-up most of our commission to benefit you, the customer.
What about my existing investments?
There may be ongoing commissions each year on products you already have. Some investment providers allow you to change your agent or appoint one if you don’t already have one. If you appoint Clubfinance Ltd as your agent, Clubfinance will rebate 75% of any ongoing commission.
Our Discount Broker Service
If you do not need or want advice and you know which product you want, this website will help you obtain the necessary documentation to arrange it through Clubfinance. Please visit the investments, insurance, and mortgages sections of our website to see the types of product we can arrange for you.
Our how to apply page will guide you through the process to use our discount broker service. At some point in each process you will need to print off, complete and send some documentation to us by post. For some of the fund supermarkets, you can access the fund supermarket's website where you can transact on-line, but you still need to send a signed Client Declaration to Clubfinance the first time you do this for each fund supermarket. You will also need to include suitable identification unless you have already supplied this to Clubfinance. Please click here for details.
Important Information
Clubfinance Ltd is authorised and regulated by the Financial Services Authority. Clubfinance offers an execution-only discount broker service; Clubfinance does not give advice or recommendations. If you have any doubt about the suitability of a particular product or service, or you require advice, you should seek a personal recommendation from an appropriate firm that does give advice. Clubfinance does not produce the products it arranges, or manage the underlying investments. Payments must not be made to Clubfinance, but to the relevant product provider. Contact details for Clubfinance can be found under ‘contact us’. Users of this website should be aware of the following:
Past performance is not a reliable indicator of future results.
The value of investments and the income from them can fall as well as rise as a result of market and currency fluctuations. For many types of investment, you may be placing your capital at risk, meaning that you may not get back the amount originally invested and you may risk losing your entire investment.
Some investments and policies may only be suitable as medium or long-term products.
Tax treatments depend on your individual circumstances and may be subject to change in future.
This website contains financial promotions relating to services offered by and products available through Clubfinance.
In the event of any conflict between product literature and information provided by Clubfinance, the product literature shall prevail.
The information on this website is intended solely for the use of those people who are United Kingdom residents for tax and investment purposes and is governed by our terms and conditions of website usage, please click here for details. It is not for distribution in any other jurisdiction, including the United States of America. Anyone who is not a UK resident should not continue with this site unless wishing to read about personal finances available to UK residents for informational purposes only.
©2004-2008
Clubfinance Ltd, all rights reserved.
Clubfinance Ltd. Registered Office: Charleston House, 13 High Street, Old Town, Hemel Hempstead, Hertfordshire, HP1 3AA
Telephone: 01442 217 287, Fax: 01442 241 045
Registered in England, Registered Number: 04522114. Consumer Credit Licence Number: 608951
Clubfinance Ltd. is authorised and regulated by the Financial Services Authority (400139)
Our Discounts:
Our mortgage service is now live.
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Octopus Protected VCT 2
Octopus Titan VCT 3
Additional Fund Discounts for Clubfinance Customers
AXA Framlington
J O Hambro (0% initial charge)
Marlborough Funds
Neptune
New Star
Newton Funds
PSigma Income Fund
Discounted Child Trust Funds from the Children's Mutual and Liverpool Victoria (LV=)
