About us

We offer a comprehensive financial planning service to clients both locally in Derbyshire and throughout the UK.

Impartial Mortgage & Financial Planning advisors

We pride ourselves on the impartial advice which reflects the individual needs of all our clients.

Our proposition couples independent investment and retirement advice with independent mortgage and insurance advice.

The proposition is centred around our commitment to ongoing service and advice which our long term clients appreciate.

All investment and pension advice is offered on fee basis which can be negotiated on an individual basis, the initial meeting is without obligation or charge.

Despite a decade of economic uncertainty we have continued to provide our clients with quality financial advice whilst maintaining our high service standards.

Meet our team

Drawing on over 25 years experience in financial services Paul specialises in investment and retirement planning. Having worked for some of the UK’s largest insurance companies, banks and building societies, Paul set up his own financial planning practice to provide clients with the best possible independent financial advice
paul toon
Paul Toon
Financial Advisor
Our mortgage specialist, Richard Lester has 17 years experience in Financial Services with 15 of those based in the mortgage market. Richard has worked at director level at large mortgage brokerages in the East Midlands and takes the view that clients need to be guided through the minefield that is the mortgage market.
Richard Lester
Mortgage Advisor
Adam Sentance has worked within the Financial Services industry since 2001, having most recently worked hand in hand with estate agents ensuring both sellers and purchasers get the best independent mortgage advice and guidance from the initial meeting through to completion.

Adam Sentance
Mortgage Advisor

What happens if you have a complaint?

If you are unhappy with the service you have received or a product we have arranged on your behalf, a copy of our complaints procedure, which sets out how we will handle your complaint, is available upon request. 

If you would like to make a complaint please contact us either in writing at:

Complaints, APR Money Ltd Suite 7, Parker House, Parker Centre, Mansfield Road, Derby DE21 4SZ

by e-mail: paul@aprmoney.co.uk

or by telephone: 01332 412299

If we are unable to settle your complaint or you are unhappy with our response, the Financial Ombudsman Service may be able to help. We will explain how at that point.

If you require further information about the Financial Ombudsman Service you can contact them directly:

Tel: 0800 0234567

Are we covered by the financial services compensation scheme (FSCS)?

Yes, we are covered by the FSCS. You may be entitled to compensation from the scheme if we are unable to meet our obligations. This will depend on the type of business and the circumstances of the claim. The FSCS only pays compensation for financial loss and the limits are per person per firm, and per claim category, as listed below:

Long Term Insurance Contracts:

Arranging and advising on long term insurance contracts (e.g. a life insurance or critical illness policy) is covered for 100% of the claim without upper limit.

General Insurance Contracts:

Arranging and advising on compulsory classes of insurance (e.g. employers liability), professional indemnity insurance, and general insurance contracts that pay out on death or incapacity due to injury, sickness, or infirmity (e.g. an accident & sickness policy) is covered for 100% of the claim without upper limit.

Arranging and advising on other types of general insurance contracts (e.g. Building and Contents) is covered for 90% of the claim without upper limit.

Mortgages Products:

Arranging and advising on mortgages is covered up to a maximum limit of £50,000 per person per firm.

Further information about the FSCS is available from their website: www.fscs.org.uk