I read a recent article on the BBC website with great interest, particularly as one of the experts interviewed for his tips on house buying strongly recommended going to an independent financial advisor who can research the full range of financial products available.

As I have been telling clients and potential customers for many years, the reasoning is simple. Any financial advisor worth his salt will make a fair and comprehensive analysis of the relevant products available and recommend a suitable one for you in the light of your circumstances and needs. Which means you get the best deal.