Talk Money

What Talk Money does

Talk Money is a UK-based independent financial advisory firm headquartered in Hove, East Sussex, serving individuals and families across Brighton, Hove, East Sussex, and West Sussex. The firm provides regulated independent financial advice across mortgages (via a dedicated Talk Mortgages sub-brand), savings and investments, pension planning, life assurance, critical illness cover, private medical insurance, and general insurance, and has extended into property-abroad mortgages. It explicitly targets segments underserved by mainstream providers, including self-employed borrowers and individuals with non-standard credit histories.

The business operates as an appointed representative of Best Practice IFA Group Ltd, which provides the regulatory authorization under which independent advice is delivered. Talk Money does not own proprietary technology, data assets, or AI tooling; service delivery is adviser-led and traditional. There is no public evidence of funding, ownership structure beyond the principal-adviser partnership, headcount, or transaction volume.

Revenue is generated through commission-based intermediation between retail clients and financial product providers across the full range of regulated product categories. The customer base is entirely retail / consumer, with no disclosed commercial or enterprise clients. The firm is a regional, long-tail, transaction-driven practice with a narrow geographic footprint and no visible recurring platform revenue.

Name

Talk Money

Legal name

Talk Money

Website

https://talkifa.co.uk

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Talk Money is a UK independent financial adviser based in Hove, East Sussex, serving individuals and families across Brighton, Hove, East Sussex, and West Sussex with mortgages, savings, investments, pensions, and insurance advice.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory

SIC

Investment Advice (6282)

akta.pro primary industry

Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE)

Keywords

• Independent financial advice
• Mortgage advisory
• Insurance brokerage
• Pension planning
• Savings investments

Headquarters

HQ city

Hooe

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Financial Advisory and Intermediation: Talk Money generates revenue as an appointed representative of Best Practice IFA Group Ltd by providing independent financial advice and intermediating between clients and financial product providers (mortgage lenders, insurers, investment providers). Revenue is likely commission-based from product providers, typical for UK IFAs.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Talk Money is an independent financial advisory firm that provides personalised advice and intermediation on mortgages, savings, investments, pensions, and insurance products to individual consumers and families. The firm operates as an appointed representative of Best Practice IFA Group Ltd, scanning the whole market to recommend suitable products tailored to each client's circumstances, including specialist offerings for self-employed individuals and those with non-standard credit histories.

Product overview

Talk Money is an independent financial consultancy offering a comprehensive range of financial products and services. The core offering centers on Talk Mortgages, a specialist division providing expert mortgage advisory services for properties at home and abroad. Beyond mortgages, the company offers savings and investments, pension planning, life assurance, critical illness cover, private medical insurance, and general insurance products. Services are tailored through confidential fact-finding to suit individual circumstances and objectives. Talk Money operates as an appointed representative of Best Practice IFA Group Ltd and is authorized and regulated by the Financial Services Authority.

Differentiator

Problem solved

Functional benefit

Brands

• Talk Mortgages: Specialist mortgage division of Talk Money offering expert advice on mortgages of all kinds at home or abroad

Products and services

• Talk Mortgages

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Best Practice IFA Group LtdcoreChannel Partner/ Reseller/ DistributorTalk Money is an appointed representative of Best Practice IFA Group Ltd, which is authorised and regulated by the Financial Services Authority. This partnership provides Talk Money with regulatory authorisation to provide independent financial advice and sell regulated financial products in the UK.

Scale indicators1 record

Recent moves1 record

Expansion highlights2 records

Direct peers

• Ascot Lloyd: UK whole-of-market IFA offering mortgage, investment, pension, and protection advice via regional offices. Closely comparable product set, target customer (UK individuals and families), and adviser-led distribution model.
• L&C Mortgages: UK fee-free mortgage broker and adviser offering whole-of-market mortgage and protection advice. Directly comparable as a UK mortgage advisory firm targeting individual consumers with broad lender panel access.
• AFH Financial Group: UK consolidator acquiring regional IFA firms offering mortgage, protection, and investment advice. Highly comparable as a regional/whole-of-market UK advisory firm with a similar product mix and adviser-led model.
• Succession Wealth: UK wealth advisory consolidator serving individual clients with holistic financial planning. Comparable as a multi-adviser firm offering mortgage, investment, and protection advice through a regional branch footprint.
• Best Practice IFA Group Ltd: Parent appointed-representative network providing Talk Money its FSA authorisation and lender panel access. Directly comparable as a UK IFA network of which Talk Money is a node, with the same regulatory and product-distribution model.

Broad incumbents

• Openwork: Large UK IFA and mortgage network supporting hundreds of appointed representatives across the country. Comparable in model (appointed-representative mortgage and protection advice) but materially larger in scale and geographic reach.
• St. James's Place: Large UK wealth manager offering investment, pension, mortgage, and protection advice through a national adviser network. Comparable in holistic advice across mortgages, investments, and insurance, but vastly larger and brand-led.
• Quilter: Major UK wealth management platform serving advisers and customers with investment, pension, and protection products. Overlaps with Talk Money's investment and pension advisory product set, though operates at much larger scale and platform-driven model.

Emerging players

• Habito: UK digital mortgage broker and adviser using technology to streamline mortgage shopping. Comparable as a UK mortgage advisory competitor for individual consumers, but differentiates via digital delivery versus Talk Money's traditional adviser model.
• Moneybox: UK digital wealth and mortgage platform targeting individual savers, investors, and first-time buyers. Comparable in serving UK individuals across savings, investment, and mortgage needs, though purely digital versus Talk Money's face-to-face model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/talk-money

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Talk Money