HUB Financial Solutions
HUB Financial Solutions is a UK-regulated financial adviser and wholly-owned subsidiary of Just Group plc, providing whole-of-market equity release advice, annuity comparison, and final salary pension advice to individuals approaching or in retirement across the United Kingdom.
- Company typePrivate
- Founded2006
- HeadquartersBelfast, United Kingdom
- Headcount101–250
- GTM typeB2C
- OfferingServices
What HUB Financial Solutions does
HUB Financial Solutions Limited is a UK-regulated financial adviser and a wholly-owned subsidiary of Just Group plc, founded in 2006 and headquartered at Enterprise House, Bancroft Road, Reigate, Surrey, with the firm also listed in Belfast. The company focuses exclusively on retirement solutions, operating a deliberately narrow product portfolio of three core advice services: an Equity Release Advice Service (comparing lifetime mortgages and home reversion plans from providers including Legal & General, More2life, and Just, with a £1,100 fee payable only on completion of a recommended plan), an Annuity Comparison Service (commission-paid by the chosen provider, with no upfront customer fee), and a Final Salary Pension Advice service for defined benefit transfer decisions above the FCA's £30,000 mandatory advice threshold. The firm self-identifies as the largest broker of guaranteed income for life (annuity) solutions in the UK and has helped more than 80,000 people with equity release decisions, releasing over £1 billion of property equity, and over 2,000 people with long-term care funding.
The technology stack is content-led rather than platform-led: the public website hosts a suite of rule-based retirement planning calculators (longevity, costs, income, drawdown risk, pension tax, and indicative lifetime mortgage tools), supplemented by the Recite Me accessibility toolbar, and the firm carries Crystal Mark clear-communication and W3C AA accessibility certifications. There is no disclosed mobile app, API, or third-party integration layer; customer interaction is dominated by telephone advice lines, online enquiry forms, and face-to-face appointments, with partner referrals from the wider Just Group distribution network providing a material share of customer flow. Regulatory status (FCA-authorised, Equity Release Council member, Financial Ombudsman Service coverage) is the principal permissioning foundation of the business and is reinforced by Plain English Campaign and Business Disability Forum memberships.
The revenue model is transactional and asset-light, monetising on a per-case basis: commission from annuity providers on completed annuity placements, and a £1,100 advice-and-arrangement fee on completed equity release plans. The target customer is a UK-domiciled individual aged 55 or older with at least £70,000 of property value or a defined contribution pension pot at the point of retirement, and the firm's terms of use explicitly exclude non-UK residents. Distribution is wholly domestic, with no international footprint disclosed and no current signals of geographic diversification.
HUB Financial Solutions firmographics
Firmographics- Name
- HUB Financial Solutions
- Legal name
- HUB Financial Solutions Limited
- Website
- https://hubfinancialsolutions.co.uk
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- HUB Financial Solutions is a UK-regulated financial adviser and wholly-owned subsidiary of Just Group plc, providing whole-of-market equity release advice, annuity comparison, and final salary pension advice to individuals approaching or in retirement across the United Kingdom.
- Ownership category
- akta.pro rank
HUB Financial Solutions industry classification
Industry- Product category
- Retirement Financial Advisory
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Retirement Income Planning & Decumulation Advisory (FSAEABAD)
- akta.pro secondary industries
- Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI)
Keywords
Where HUB Financial Solutions is headquartered
LocationHeadquarters
- HQ city
- Belfast
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
HUB Financial Solutions business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Annuity Commission: The company does not charge an upfront fee for annuity comparison services. Instead, they receive commission payments from the annuity provider selected by the customer. Any commission payable is illustrated on the quotations customers receive.
- Equity Release Advice Fee: Equity release advice service with a no obligation guarantee - the advice and arrangement fee of £1,100 is only payable if the customer decides to take out a recommended plan.
- Equity Release Advice and Arrangement: One-time fee of £1,100 for equity release advice and arrangement service, payable only upon completion of a recommended plan.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Annuity comparison service - no upfront fee |
| Transaction based/ take rate | Pay-as-you-go | Equity release advice service - £1,100 fee |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
HUB Financial Solutions product offering
Product offeringCore offering
HUB Financial Solutions provides regulated financial advice and guidance to individuals approaching or in retirement, focused on three core services: Equity Release Advice (whole-of-market comparison across providers such as Legal & General, More2life and Just, with a £1,100 advice and arrangement fee payable only on completion), Annuity Comparison (whole-of-market comparison of guaranteed income for life products with no upfront fee, paid via provider commission), and Final Salary Pension Advice (regulated advice on defined benefit pension transfers). All services are delivered through telephone and face-to-face channels, with support from online retirement planning calculators.
Product overview
HUB Financial Solutions offers a focused portfolio of retirement financial services centered on two core advice services: Equity Release Advice and Annuity Comparison. The company provides professional regulated advice to help customers release equity from properties, convert pension savings into retirement income, and fund long-term care. The Equity Release Advice Service (fee £1,100 upon proceeding) compares products across the whole market including Legal & General, More2life and Just. The Annuity Comparison Service compares lifetime annuities across the market. Supporting these core services are a suite of retirement planning calculators including Longevity Tool, Costs Estimator, Income Estimator, Drawdown Risk Calculator, Pension Tax Calculator, and Indicative Lifetime Mortgage Calculator. The company also provides Final Salary Pension Advice for defined benefit transfer decisions. All services are delivered as regulated financial advice, not automated tools.
Differentiator
Problem solved
Functional benefit
Products and services
- Equity Release Advice Service Professional regulated advice service helping UK homeowners aged 55+ determine if equity release is suitable for their circumstances. Compares lifetime mortgages and home reversion plans across the whole market from providers including Legal & General, More2life and Just, with a £1,100 advice and arrangement fee payable only upon proceeding with a recommended plan.
- Annuity Comparison Service Service comparing annuities across the whole market to help customers find the best possible guaranteed income for life. Helps with paperwork and provider communication; no upfront fee charged to customer, with the company paid via commission from the selected annuity provider.
- Final Salary Pension Advice Regulated advice service for defined benefit (final salary) pension transfers, helping customers understand their options and whether transferring out of their current scheme is right for them. Legally required independent advice for transfer values exceeding £30,000.
Quantifiable outcome
- Over £1 billion of equity released for customers
- +3 more outcomes
Companies that use HUB Financial Solutions
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
HUB Financial Solutions technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
HUB Financial Solutions partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Just Group plccoreHUB Financial Solutions is a wholly-owned subsidiary of Just Group plc. Just Group plc is a specialist in the retirement market, having helped more than 700,000 people achieve a better later life. The relationship provides HUB with access to Just's product suite including Just Retirement Limited and Just Retirement Money Limited (lifetime mortgages).
- Equity Release CouncilcoreHUB Financial Solutions is a member of the Equity Release Council, the industry body for the equity release sector. All recommended equity release products are provided by members of the Council, which guarantees plans include a no negative equity guarantee.
- Legal & General (equity release provider)coreHUB compares equity release options across the whole market from providers including Legal & General, More2life and Just.
- More2life (equity release provider)coreHUB compares equity release options across the whole market from providers including Legal & General, More2life and Just.
- HUB Group companiescoreHUB Financial Solutions is part of the HUB Group of companies which includes HUB Group, HUB Financial Solutions, and HUB Pension Consulting. The group provides comprehensive retirement planning services.
Scale indicators7 records
Recent moves6 records
Expansion highlights4 records
HUB Financial Solutions competitors and assessment
Company assessmentDirect peers
- Age Partnership: UK specialist equity release and retirement advice broker, directly comparable to HUB's equity release advice service. Operates a similar telephone-based, whole-of-market advisory model for over-55 customers.
- Key Retirement: UK equity release specialist and former retirement-advice consolidator. Direct peer in the equity release advice segment, sharing a similar telephone advisory distribution model and customer profile.
Broad incumbents
- Aviva: Major UK life and pensions provider offering annuities, equity release, and retirement income advice. Comparable as a broad incumbent with overlapping retirement advice and product distribution.
- Just Group plc: London-listed retirement specialist and parent of HUB Financial Solutions. Just Group provides the underlying annuity and lifetime mortgage products HUB advises on, and is a directly comparable UK retirement-income specialist at much larger scale.
- Legal & General: One of the UK's largest life insurers and retirement providers, and a key equity release and annuity product counterparty to HUB. Directly comparable as a retirement-income solutions provider, with broader scale and a multi-line financial services portfolio.
- Zurich UK: UK life and pensions provider offering retirement income products and advice. Comparable as a broad incumbent in the UK retirement market with overlapping annuity and advice capabilities.
- AJ Bell: UK investment and self-invested personal pension (SIPP) platform. Comparable as a retirement-income intermediary serving retail customers transitioning from accumulation to decumulation.
- Hargreaves Lansdown: UK's largest direct-to-consumer investment and pension platform. Comparable as a retirement-decumulation intermediary, particularly for drawdown and pension consolidation use cases that overlap with HUB's advisory offering.
Emerging players
- PensionBee: UK direct-to-consumer pension consolidation and drawdown platform. Comparable as a retirement-decumulation intermediary targeting a similar customer base, with a digital-first model that may compete for simpler use cases.
Others
- Moneyfacts: UK financial product comparison service for savings, annuities, and retirement products. Comparable as a discovery and comparison channel that can either route demand to advisers like HUB or disintermediate them.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
HUB Financial Solutions social profiles
Digital presenceHUB Financial Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
HUB Financial Solutions leadership team
Management profileNumber of profiles
HUB Financial Solutions funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HUB Financial Solutions M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HUB Financial Solutions
What does HUB Financial Solutions do?
HUB Financial Solutions provides regulated financial advice and guidance to individuals approaching or in retirement, focused on three core services: Equity Release Advice (whole-of-market comparison across providers such as Legal & General, More2life and Just, with a £1,100 advice and arrangement fee payable only on completion), Annuity Comparison (whole-of-market comparison of guaranteed income for life products with no upfront fee, paid via provider commission), and Final Salary Pension Advice (regulated advice on defined benefit pension transfers). All services are delivered through telephone and face-to-face channels, with support from online retirement planning calculators.
Is HUB Financial Solutions a public or private company?
HUB Financial Solutions is a private company. It is classified as corporate owned and is currently operating.
When was HUB Financial Solutions founded?
HUB Financial Solutions was founded in 2006. It employs 101 to 250 people.
Where is HUB Financial Solutions based?
HUB Financial Solutions is headquartered in Belfast, United Kingdom, in the Europe region.
How does HUB Financial Solutions make money?
Three revenue lines are on record. Annuity Commission is the primary driver. The others are equity Release Advice Fee and equity Release Advice and Arrangement.
Who are HUB Financial Solutions's main competitors?
Direct peers on record are Age Partnership and Key Retirement. Broad incumbents are Aviva, Just Group plc, Legal & General, Zurich UK, AJ Bell and Hargreaves Lansdown. PensionBee is listed as an emerging player. Moneyfacts is listed as an others.
Does HUB Financial Solutions have an API?
No public API is recorded for HUB Financial Solutions.
What industry is HUB Financial Solutions in?
HUB Financial Solutions's product category is Retirement Financial Advisory. Its primary akta.pro industry code is FSAEABAD, Retirement Income Planning & Decumulation Advisory, with a secondary code of FSAEABAH, Annuity & Insurance-Based Retirement Solutions Advisory. Its NAICS code is 523940 and its SIC code is 6282.