Our discount direct service provides the investor who likes to make their own financial decisions with market leading discounts on a wide range of products and investments. If you are looking to purchase any financial product or investment our discount direct service will provide you with great discounts and cash back savings.

Products and investment are discounted A non advised execution only service Deal with a leading online discount broker

Our discount direct service
Our discount direct service is a non-advised service designed for anybody who does not require financial advice and who likes to manage their own financial affairs and make their own investment decisions. It is an execution only service. Visit our document centre for the latest discount and cash back offers.

How it works
When you use our discount direct service you will not receive any advice on the products or investment you are purchasing. We will only send you generic information about products and investment you request. We will not provide you with any advice, or comment on the suitability, or affordability, of your investments or products.

You will need to make you own choice about how to proceed and this is why we can offer you market leading discounts.

Cheaper than buying direct
If you invest directly with an investment manager or buy a product from an insurance company the standard charges are usually the same for investments and purchases made via our discount direct service.

Commission is automatically included in the total level of charges applied to your investments, it is not charged in addition to the investment manager or insurance company's own charges. Typically they will keep the commission for themselves, increasing their profits, if you purchase directly.

Our discounts
We use the commission payable to provide you with market leading discounts on your investments and cash back monies on product purchases. We retain a small amount of the commission to cover the cost of arranging your investment and pass the balance onto you as our commission gift. This commission gift is your discount. Please call us or visit the document centre for details of our current discounts and cash back terms.

Investments and products purchased through our discount direct service are still eligible for any enhancements offered by the investment manager and insurance company, and all of our discounts are in addition to standard product and special offers we negotiate.

Products available
Products and investments currently available in our discount direct service include; All ISA, PEP, OEIC and unit trust funds. Investment bonds including distribution bonds, with profit bonds and property bonds. Guaranteed equity bonds and guaranteed income and growth bonds. Most pension annuities, and personal pension plans. Life assurance, mortgage payment protection insurance, and critical illness insurance. Personal lines general insurance products.

We try and include as many products and investments as possible in our discount direct service, however some area’s of you financial arrangements require us to provide full independent financial advice in line with the Financial Service Act. These products and services are only available through our private client IFA team.

If you are unsure if a particular product or investment qualifies call one of our advisers with full details and they will see if it can be include it in our discount direct service.

Loyalty cash back service
All new plans and investments are also eligible for our loyalty cash back service. Our loyalty cash back service is free and provides you with a cash back payment of 50% of any ongoing fund based renewal commission that your investments pay. Any existing investment you hold that pays a fund based renewal commission can be included in this service.

No investment advice
If you require advice on your financial arrangements with an individual recommendation, our private client IFA team team provide fee based independent investment advice. Please refer to the cost of our service document for details of our fee structure and costs.

No ongoing service
To provide you with the best possible discounts we will not provide you with any on going service on your investments and products. Although we will be registered as the servicing agent we are NOT acting as your financial advisers.

We will act as your agent to ensure your investment or policy is set up on the correct basis but once we have issued your policy document or contract note you will need to deal directly with the investment manager or insurance company for any future administration issues. Please remember that at all times your plan or investment is held and administered directly by the investment manager, fund supermarket or insurance company.

Attitude to risk
It is important you understand the level of risk associated with any investment. If you require clarification on how to quantify risk please visit myadvisor and use the attitude to risk and model portfolio tools available.

Alternative options
Fee based independent financial advice provides an holistic review of your finances, needs and goals and you will receive a full written report on any proposals and solutions.

Poor investment performance or high charges can result in underperformance of your investments. Our investment review service is designed to assess the investment performance of your existing investments and their charges against their peers, and your attitude to investment risk. If your investments are underperforming or your funds are out of line with your attitude to investment risk, a revised profile will be provided and a transfer recommended.

To request a quote
Complete our online enquiry form or call one of our specialist advisers to request your free quote or discount direct pack. As an internet based firm of independent financial advisers we provide advice over the telephone, via email and through the post. Dealing with you in this way allows us to discount our commissions to provide you with the very best discounts for all of your financial planning needs and requirements.

Help & advice
There are many options to consider when choosing an investment and if you are unsure of the best way to proceed it makes sense to take advice from a qualified specialist who is independent and can offer you products and services from the whole of the market place. Please call one of our independent advisers or contact us to discuss the different options available to you if you do not feel confident enough to make you own decisions about your financial arrangements.