Testimonials (132)

Financial Planning Including Investment & pension advice

Added: March 22, 2024

I’ve invested through Ed Holder for more than ten years and I’m very happy indeed to recommend Holder and Combes to others. Service and advice have always been top notch.

Andrew Bollington
Managing Director at viaEd GmbH


Ed Holder and his team at Holder & Combes have been nothing short of sensational! As a long term client, I can honestly say working with Ed Holder has been the best financial managing experience of my life. Not only is Ed ethical and extremely experienced, but he is also communicative and helpful. Holder & Combes took my want to invest my money ethically seriously AND have made me considerable money in the process. I trust Ed to make smart choices in a complex financial climate and have recommended him to my friends. His team has also been wonderful to work with; they always respond to me promptly and politely. I truly cannot speak highly enough of Ed, and I know you will be equally impressed should you be lucky enough to become his client.

Emilia Rafaela

Added: September 5, 2023

I deal with Nick Combes and despite probably being his worst customer he makes me feel like number 1! Professional, precise, skilled and attentive. Perfect. Justin Al-Kaisy has just helped us with an extremely complex re-mortgage and despite very adverse market conditions has delivered both on time and in line with requirements. Expertise at its highest. Very very easy recommendation!

Gab Frediani
Contractor (Financial Services)

Added: July 12, 2023

I have been very pleased to have been recommended to Holder & Combes. My first meeting with Scott, he put me at ease and I certainly feel more empowered and informed regarding my future pension situation and my options for better investing! Ben, their accountant has been very helpful too.

Amanda Shribman
Pension Administrator

Added: June 22, 2023

Having decided we needed professional advice to find the best path for a secure retirement we contacted Scott. He carefully listened to all our future plans and from a multitude (muddle!) of ‘possibilities’ he created three clear and realistic plans that were all easy to follow. Being a visual learner I found his colour coded slides really helpful when discussing each plan, and every question had a thoughtful answer that managed our expectations. Having taken all his advice we now feel we have a sensible plan that fits with our needs, and has given us the peace of mind we were looking for.

Sandra Crossley

Added: May 18, 2023

It’s been a pleasure working with the team at Holder and Combes. Their hands on approach and patience has been particularly beneficial for rationalising and streamlining my pensions and investments.

Gerry Alden
Director of Sales Eu/UK

Added: August 9, 2021

We are in the process of re-structuring our Finances using Ed and his team. Obviously the real test will be the after-tax performance of recommended products but in terms of service, responsiveness, efficiency, experience and ideas we couldn’t be more pleased so far.

Peter Gray
Management Consultant


As a investment manager, I have worked with Holder & Combes for a few years, and they run a very professional, sophisticated company. They are asking the right questions of us as a fund manager, and challenging us in some area, which will benefit their clients long term return.

Paul Mattick, PhD, OLY
Director of Mercia Fund Management.

Added: August 8, 2021

Superb service from Holder and Combes. They have provided piece of mind around a very tricky situation and offered everything and more, tailoring the advice and investment for grandmother and my needs.

I have recommended H&C to other members of my family who have also received excellent service. I can not recommend them highly enough

Carmen Jones
Business Consultant at BAE Systems

Added: August 5, 2021

After using H+C for over 20 years I can honestly say they are the best financial services provider and can happily (and often do ) recommend them to everyone for a variety of financial services for all budgets.

Matt Tinsley
VFX Wizard

Added: August 4, 2021

I’ve known Ed, Nick and the team for quite a few years. Excellent advice, really proactive. Always a pleasure to talk to the team.

Sue MacMillan

Added: August 2, 2021

Ed and has team have been fantastic to work with. They grasped very quickly my specific needs and created a plan for me that has worked brilliantly. Highly recommend.

Conor McCaughan
Founder, TROIKA

Added: July 30, 2021

Outstanding service and support from Ed Holder and the team. They provide completely personal and tailored investment and pension advice and have made a huge different in our transition from working, earning and investing to worry free retirement. I can not recommend them highly enough.

Judi Edwards
Executive Technology Consultant (Retired)

Added: July 26, 2021

It has been a pleasure working with Holder and Combes. Ed has been patient with my many questions, responding promptly with clear, uncomplicated advice on pensions and savings products. It is reassuring to know I have an advisor on the end of the phone who understands my financial priorities and will spend whatever time is necessary to make sure I am comfortable with our planning. Highly recommended.

Sam Hobson

Added: August 25, 2020

Holder and Combes have transformed my investment portfolio in a way I could not have managed on my own. It is a tailored, personable service focused on building a long-term relationship rather than a transactional basis that some advisers tend to offer.

Rob Holmes
Business Development Director

Added: June 8, 2020

Ed was recommended to me by an ex-colleague who had himself used him for a number of years. I was looking to transfer my DB Pension and Ed, after getting to know my full details and goals, was able to give me a full rundown of my options.

Everything was explained clearly and I felt I was in control of all decisions. You can tell Ed really loves his job and his knowledge gives you access to a wide range of investment opportunities. I chose to go with Ed, despite seeing two other advisors. I am very happy with my decision and he really pays for himself.

Stephen Bristow
Account Director at Enverus - Trading & Risk

Added: May 2, 2020

After an extensive review, we recently started working with Ed at Holder & Combes and are very happy with our decision.

Most importantly, we feel Ed “gets us” and our understands our objectives, he takes the time to walk us through our options and keep us informed. Ed understands our attitude towards our financial position, and advises us accordingly with patience and care.

Additionally, Holder & Combes’ accounting services and connections to lawyers have also been able immensely helpful and operate almost as a seamless end to end service.

Salman Mankani
Chief Commercial Officer

Added: April 2, 2020

Delighted. All your team have been friendly, efficient and have grown my investments in you control. Thank you.

Donald MacMillan
Retired Production/Factory Manager

Added: October 25, 2019

An exceptional team. Ed has been instrumental in keeping me and my business on track; with integrity led advice, connections that align and the honesty and reassurance I need to keep moving forward. It’s refreshing to have discovered a company like this, who truly care about the person you are, as part of your commercial development.

Teresa Havvas
Brand Communication Professional

Added: September 30, 2019

We’ve been working with Ed at Holder and Combes for over a year and I’ve been really pleased with the service they have given us. They have been very attentive and responsive to our many varied requests and questions ! They are extremely professional but also friendly and approachable which has really worked for me. I feel like I’m in safe hands with them. I wouldn’t hesitate to recommend them.

Hannah Parker
Biodynamic Massage Therapist

Added: August 20, 2019

Holder & Combes financial planner Tom Dean worked with me on the transfer of my final salary pension to a SIPP.  I was aware of the potential benefits of transferring, but there was a lot of money involved and some big questions to be resolved.  I’m happy with the decisions I made, but I really could not have made them without Tom’s help.  Tom analysed my situation, gave me clear, impartial advice and patiently answered all my questions.

Crucially, he also gave me the time and space I needed to think things through for myself.  Tom was always happy to answer more questions while I was thinking, without pressing for a decision.  Right from the outset, he raised creative, useful ideas that advisers at other firms had never offered.   I would not hesitate to recommend Tom as a financial adviser to anyone in my situation, looking for expert help on financial planning for retirement.

Charles Ormrod
IT Analyst


Tom is unique and it was a pleasure working with him. He dealt with me in a kind and professional manner and was able to get my pensions for me when no other broker could.

His planning and assessment was profound, I highly recommend him what he did for me.

Sheema Parsons OBE

Added: June 12, 2019

I have been speaking with Nick and his team for more than seven years and the long-term relationship is very important to me. Nick has advised and guided me through a few life-changing moments and is consistently clear and informative.

His personal understanding of my situation gives me peace and confidence that his advice is well-intended and accurate.

I look forward speaking with Nick for advice and guidance as I navigate the next chapters of my life.

Neil Taylor
Developer at Bloomberg

Added: March 8, 2019

Nick Combes and his team have been incredibly helpful and supportive with regards to my pension and insurance needs. From my experience, I would recommend Holder & Combes to anyone who needs financial guidance and advice.

Grant Hadland
Institutional Equity & Multi-Asset Business Development Director

Added: February 11, 2019

Although I thought I knew a bit about pensions, it was in reality limited to the investment / contribution side – and a bit limited at that. Nick showed me a much broader way of looking at my projected post retirement position and the ways it could be achieved. I found Nick and his team easy to deal with and am now targeting a strategy I would never have developed on my own whilst investing DC funds to achieve a higher return with less variability than the mix I had put in place myself. I would certainly recommend them.

Simon Bass
Director of The Howard Academy Trust

Added: May 24, 2018

It has been an absolute pleasure to meet you too and thank you so much for taking the time to explain things so clearly to Judy and myself.  Certainly the penny has dropped for me in respect of investing my pension for the longer term, not simply to retirement. I feel confident that my pension fund investments are in safe and effective hands with Holder & Combes and look forward to a longstanding relationship with you for many years to come.

Paul Fitzsimmons
Business Development Manager

Added: April 24, 2018

I discovered Holder & Combes through a personal recommendation from a friend who is a long-standing client of the firm. I’ve worked in and around the finance industry all my life, but Nick quickly gave me a number of great ideas about my own family finances that had never crossed my mind. Our pensions and savings are now working much harder for us. And Justin navigated my wife and I through a remortgage quickly and efficiently. His comprehensive knowledge and understanding of the market found us a great deal that exactly matched our needs. The financial advice that we’ve received from Holder & Combes has been first rate. I only wish we’d talked to them years ago.

Gary Parkinson

Added: January 17, 2018

Holder and Combes have proved to be an invaluable resource for all aspects of our financial planning. They have taken the trouble to get to know us and our needs properly before suggesting a plan of action. Ed speaks in plain English and genuinely seems to relish the task of restructuring our finances to improve our quality of life. He goes the extra mile to find a solution to the knottiest of problems. I would recommend them without reservation.

Jolyon Symonds
Fearless Minds

Added: January 11, 2018

I was recommended Holder and Combes by my accountant. I like the way they try and truly understand me and what is important for my future. They come up with interesting ideas and solutions and explain things clearly. In addition, I personally deal with Ed Holder and I always find our discussions rewarding and enjoyable. Terrific all round.

David Gold
CEO at Prospectus

Added: December 11, 2017

Since I started working with Ed holder I have never looked back. I feel like I’m with a company who are 2 steps ahead of the game and feel very safe in their hands. They are modern , extremely smart and very easy to talk to and are always there if I have any questions.

Music Producer

Added: December 8, 2017

I have had investments with Holder and Combes for 3 years now and have full confidence in Nick and the team to manage my financial interests, especially in these current challenging times. Holder & Combes have a friendly, open and thorough approach which I like. Information and guidance is clear and informative and enables me to keep my financial objectives on track. A big thanks to all at H&C.

Richard Goldsmith
Software Test Analyst

Added: November 29, 2017

My wife and I were looking for some pension advice regarding a poorly performing pension that we had for some years. After doing lots of internet research we came across Holder and Combes and decided to use them for our financial planning, its the best decision we ever made! From the outset Nick explained everything in a language we could understand and with his guidance, we now have our pensions and ISA's all in one place and we are able to view their progress on our own online platform. We can't recommend Nick and his team highly enough to anyone seeking honest Financial advice.

Lorraine and John Goodman
JG Design and Build

Added: November 13, 2017

I first discovered Holder & Combes via an online search while looking for a London-based IFA. They have been helping me manage my finances for around two years now. The advice I receive is straightforward, reliable and tailored to my circumstances. In addition, they efficiently handle much of the paperwork and provide regular updates on my investments, which I find a real help. I recommend them to anyone looking for a capable and friendly team of advisers.

Richard Mallinson
Company Director

Added: November 8, 2017

I was recommended to contact Holder and Combes by two separate friends and I am so glad I took their advice. Nick helped me through what had seemed a very confusing financial minefield. I now understand my finances and my financial future feels much more secure.

Lesley Scarth
Accounts Assistant

Added: November 7, 2017

Nick has been involved in looking after my investments since early 2008. I want to note that I have always been very happy with his gentle guidance and explanations of the markets over the years. I hope to remain a client of Holder & Combes for years to come

Anthony Brown
Business Owner

Added: April 13, 2017

Holder and Combes came highly recommended to me and showed me continuously that they were professional and acted with only my best interests throughout the process. They overcame a very complicated process due to mistakes by other parties and showed they are the best at what they do, thank you for helping me buy my first home.

Simon Inkley
Warfare Officer, Royal Navy

Added: April 4, 2017

Thank you for everything and putting up with the chops and changes in circumstances. You’ve been great and I know you put me first above everything else at times. So from the bottom of my heart, Thank you for everything. I wouldn’t have been able to do any of this without you, so i'm grateful and thankful also.

Amandip Sangha
Contract Management Manager: Europe

Added: January 20, 2017

I was recommended to speak to Nick about my pension requirements as I was looking to retire imminently and needed someone to explain my options in a clear manner. Nick and Jack were very professional and took the time and trouble to explain the process and my options. I am very happy with the solutions that they provided and like their approach and attention to detail. I have recommended Holder and Combes to a number of my colleagues as I think their service is first class and they always look to provide the best solution for their clients.

Graeme Johnson
Retired (Banking)

Added: December 8, 2016

We've had a positive experience so far regarding our investment advice from Holder and Combes. Not only was the approach friendly and personable, but we were given excellent advice on how to maximise our tax savings through our investment. In tax savings alone we will recoup a fair amount of value from the money invested and in the long time we are optimistic about returns from the investment itself

Fay Margo
Brackendale Consulting

Added: June 16, 2016

Holder & Combes came highly recommended by a discerning colleague a couple of years ago & they have not disappointed. Of course the company exhibits all the qualities one would expect in the financial advice sector such as up to date financial knowledge, professionalism, quick response times, clear & precise communication, & impartiality. However two things set Holder & Combes apart for my husband and me: firstly the personalised nature of the services they provide. Holder & Combes took great care in finding out exactly what our priorities were in making investments, & what sort of risk levels we were happy with. Ed knows us personally & I have no qualms in contacting him about any query relating to our investments, & he deals with my emails patiently. Secondly a sense of genuine enjoyment and pride in the creative solutions they provide seems pervasive. We have dealt with several members of the company in different capacities & are impressed by the commitment shown to what they do. I am very happy to fully recommend Holder & Combes to anyone looking for high quality, personal, sound, intelligent financial advice.

Elizabeth Pulman

Added: April 29, 2016

I was fortunate to have found H&C a few years ago and have been working with Nick ever since. I’ve found the quality of service offered by the company second to none. This began from day one with a seamless consolidation of my pension funds, through to today where I have made various queries and have received a speedy & friendly response. During our financial reviews, Nick is able to convey financial information in an easily understood form. What also strikes me about Nick is the genuine care and interest he takes in helping with both my near and longer term financial concerns. I’d happily recommend Holder & Combes to anyone.

Vish Murden
Senior Software Engineer | Architect

Added: January 6, 2016

Holder & Combes are very forward-thinking and innovative. I will bet my bottom dollar that they will become increasingly successful. Ed of Holder & Combes has worked has provided me with financial advice for some years now and I have always been struck by his limitless knowledge and expertise in this field that I call a ‘minefield’. He is always supportive, answers technical queries promptly, and goes the extra mile to ensure excellent customer care. Based on this positive experience, I have successfully referred business partners to him and have heard of no negative comments. If you are looking for a financial planning service that is flexible, tailor-made, and innovative yet based on sound principles, this has to be the place to come. So join the H&C movement!!!

Christian Cisse

Added: November 27, 2015

It was huge relief to find such a straight talking expert in Ed, since I have close to zero financial knowledge besides knowing how to open a bank account. Not only did he take the time to clearly illustrate our options he was also able to lucidly explain the previously impenetrable concepts of finance that had stifled my ability to take sound financial decisions. After our energetic and fascinating consultations I feel comfortable that we have a plan in place that suits my family’s finance needs and dare I say, ethics. I can also categorically say that it has been a hugely enjoyable experience dealing with Ed.

Neil McFarland
Head of Studio, Videogame company

Added: November 18, 2015

Nick is forensic in style bringing clarity and order to assist in our decision making with regard to our personal finances. The Team have our objectives as their priority, give pragmatic advice and will spend time steering us through, what is at times, a complex jungle. We now have an investment plan, understood by all, structured for the next 25 years or more; time will tell as to what the investment world will throw at us but with Nick and the team on our side we feel we are prepared. I would be happy to recommend H&C.

Chris Higham
Aon Benfield

Added: October 8, 2015

I’m 63 and my partner is 65. I have been worried for a long time as to whether we were making our pensions work as hard as they could, particularly as we don’t want to retire yet and want a chance to build up as much as we can in our private pensions. Ed was recommended to us, and I’ve found him to be extremely approachable, understanding and informative. I’m sure that our pensions are in safe hands now and a bonus is that Ed is always on hand to answer any queries I may have about anything financial. Very reassuring at this point in my life.

Jacqui Dickson
Personal Assistant

Added: June 5, 2015

I'm a busy mum of two and, to be honest, the world of financial planning is often bewildering to me. However, with Nick and the team on my side I really feel my financial future is in the safest of hands. Nick rescued my pension, which I had left to languish and was barely worth what I had put in, and turned it into a pension pot that is making money and will work for me and my family in the future. He has also sorted out my income protection and life insurances, adapting them to my changing needs. Nick really cares about his clients and is always on the look out for the best deals for them. He is friendly, approachable and highly knowledgeable. I would recommend Holder & Combes to anyone looking to maximise their finances for the future. Nadia Jones

Nadia Jones
Head of Listings at H Bauer Publishing

Added: June 4, 2015

I’ve known Ed for about four years and have worked with Holder & Combes for the past couple of years. The simplicity, clarity and quality of ideas they provide has always given me huge confidence in their abilities. They provide a fantastic service and I wouldn’t hesitate in recommending them to my friends and colleagues.”

Iain MacMillan
Director at RMM

Added: February 4, 2015

The friendly, efficient and knowledgeable staff have been an invaluable help, providing me with the info needed to complete on a number of property purchases as well as other financial advice. They have gone out of their way to get back to me with information needed, provided sound advice and respond to requests promptly and efficiently. Thank you for all your help in the past and I will continue to put my business your way in the future as well as recommend your services.

Peter Benfield
Account Manager (Media Group)

Added: November 14, 2014

My initial contact with Nick was through our joint engagement with the Federation of Small Business (FSB). Nicks financial advice has proved invaluable, honest, straightforward, clear and very relevant to my circumstances. Nick demonstrated an understanding of what advice I wanted as well as suggested areas that I had not thought about. Nick also understood my approach to risk, so that the advice that he was giving me took into account how I would process and make my decisions in terms of advice and investments. Nicks approach to clients is one where he will invest as much time as the client needs and I never once felt that I was taking up too much of his time. I am able to contact Nick when I feel I need to and the response I receive has always been supportive and sound. I would have no compunction to recommend Nick unreservedly.

Terilla Bernard
Interim PMO Project Manager

Added: October 21, 2014

Having turned to Holder and Combes with an air of uncertainty on what to do with my money, and how to prepare for the future, I was met with extremely helpful and clear advice. Not only were the pension plans broken down in a clear pragmatic manner (for my non financial mind to understand) but also Ed helped me work out which was the most suitable way for me to invest – and what I felt comfortable with. The team are there to answer questions and you don't feel silly asking probably the most simple of questions, this makes you feel very comfortable to approach them. At all stages I have only been met with professional and useful help. When investing in the future this helps with peace of mind. One very happy customer.

Rachel Brunning
Branding Creative & Designer

Added: July 30, 2014

My circumstances were quite complicated, and I did not have a standard scenario in terms of income and general situation. Nick and the team listened to my needs and offered solutions and ideas very quickly. My objective was to find an adviser who was flexible, easily contactable, and who offered transparent, visible solutions whereby I could easily keep track. Holder and Combes have fulfilled these criteria very well.

Annan Galloway
Consultant at UniCreditBank

Added: July 15, 2014

As a writer my income, my prospects and even my sobriety are famously unpredictable, and so I needed an adviser who was comfortable with an unfashionable degree of ambiguity. Asking a financial expert to sort out my family's finances felt a bit like asking a professional pilot to fly us somewhere safely, given that I was unable to guarantee either the destination, or the airworthiness of the aircraft, or the amount of fuel we had on board. But Ed Holder came highly recommended by friends who know about this sort of thing, and when I met him I knew I had found the right person. Ed and his team are smart enough to make a flexible plan around a life that has more ifs than therefores, and they are personable enough to make the process bearable. Money is one of the many things I can't cope with at all – and now that Ed is in charge, I have a lot less anxiety and I am freed up to write. I really feel better for working with Ed and I highly recommend both him and his firm.

Chris Cleave

Added: June 25, 2014

I contacted Holder & Combes having lost faith in my previous advisors who were not really listening, explaining or giving me the opportunity to think about my options. In contrast, Nick listens and talks me through my options with my objectives in mind. Everything is explained in language and terms that I understand, and there is never any pressure to do anything I am not 100% comfortable with. The risks and benefits are always set out clearly and then I make the decisions. I have always found Nick and the team at Holder & Combes to be accessible, helpful and available when I need to speak to them.

Alexandra Gladwell
Senior Associate, Berwin Leighton Paisner LLP

Added: June 6, 2014

Holder and Combes is a very professional organisation, who explained what they did, and what I needed to do, in great depth, but with a simplicity someone without a financial background could understand. I can highly recommend Ed himself, and his organisation in general.

Marcus Evans
Commercial Director at Nutbourne

Added: May 26, 2014

I've used Holder and Combes for a few years and the service has been consistently excellent. They respond quickly to any questions and are prepared to spend time getting the right solution in place. I'm happy to recommend them.

Colin Stewart
Programme Manager

Added: January 30, 2014

After leaving my job in a large corporation I needed to transfer my company pension plan to a private SIPP. Ed and team at Holder & Combes were extremely helpful in dealing with the move and the many hoops to jump through. They kept me up to date with progress and took the time to walk me through the SIPP providers and find the right investments for my risk profile. I would highly recommend Holder & Combes for pension transfers and ongoing pension investment management.

Alex Ley
Software Engineer

Added: October 8, 2013

We have been delighted with the support from Ed Holder of Holder and Combes in helping up understand our pension options and expectations and dealing very quickly with some challenging investments. The speed of response and action, practical, professional and knowledgeable approach with options presented in a straightforward way have been outstanding.Ed was recommended to us by a friend, and we would have no hesitation in recommending Ed and his company to others,

Judi Edwards
Vice President & Executive Partner

Added: October 7, 2013

Ed has recently arranged my new life insurance policy. He was very approachable and explained everything clearly and in a way that I understood. Both his advice over the telephone and in writing was concise and pitched at the right level which made me feel confident and secure in knowing that the policy he recommended and arranged was correct for my requirements. I would have no hesitate recommending Ed to any contacts of mine looking for financial advice and I will definitely be going back to him for further advice in the future. Thanks for all your help.

Daniel Crockford
Consultant Solicitor at Keystone Law

Added: October 4, 2013

I was very grateful to hear about Holder & Combes from a colleague at work.I had been following articles on the national press for the past year and was confused as to what to do about my pension, whether to take out an annuity now or postpone it for later. Nick Combes made it easy to understand and advised me on best options available, taking into account my personal circumstances and needs. I will thoroughly recommend their services to friends.

Maite Whitehouse
Retired (Re-Insurance)

Added: June 16, 2013

What to do with my pensions was a mystery until I contacted Nick at Holder & Combes. What I particularly like with this company is that my approach to risk management is respected completely, and I understood exactly what was proposed. I am very happy with the performance of my investments and the way H & C approach the analysis and management of the funds and fund managers they choose to work with. I think the essence of good financial management is always based in trust – and I trust Nick and the company to advise me well.

Helena Dennison
Designer at Charlie Day Gardens

Added: June 11, 2013

Holder & Combes have been helping me organise my personal finances for the last few years. Prior to meeting Nick I had no financial advisor or pension in place and I now have my finances in much better order and I also understand better what steps I need to take in order to deal with my finances in the future. I have also had some help with my company's finances and will definitely use Holder & Combes the next time I have any financial needs. I can highly recommend them.

Patrick Anderson

Added: May 31, 2013

Having always been fairly ramshackle in my approach to my finances Holder and Combes have completely sorted me out. Everything they present is clear, easy to understand and, more importantly, it's working. It's a weight of my mind knowing that all aspects of my finances are being taken care of and that I have a good sense of where I'll be when I come to retire. It's just not something I'd ever really thought about before. On top of all this they're great to work with. Meeting with them is a pleasure. Over the last three years Nick has completely overhauled my financial arrangements in order in a clear, practical and effective way. Highly recommended.

Nick Mather
Head of Entertainment at Endemol UK

Added: May 7, 2013

Dealing with the financial adviser at Holder & Combes has been a real breath of fresh air – for the first time I have received no-nonsense, understandable advice on my investments in an open and honest manner – just fantastic. Having advice given in the way it was, just left me wholly confident in the service I was being provided and with my best interests always at heart. I wouldn't hesitate for a moment in recommending them. Thank you.

Gunther Walker
Manager at Solar Management

Added: April 30, 2013

I've recently worked with Ed on what I thought was a complex (and daunting) financial situation. Ed was brilliant and actually completely turned around my problem into an opportunity! I really liked his no-nonsense, friendly, and expert can-do advice towards a layperson like me. I'd 100% recommend Ed as the go-to guy to chat with about your financial investment advice.

Simon Bird
General Manager at Savoo

Added: February 18, 2013

As I approached retirement in the autumn, my main preoccupation was not what to do with my life but rather what to do with my occupational, money purchase pension. For someone like myself, with no financial expertise, this was both vital and incredibly worrying. My pension is no doubt peanuts in Ed Holder's terms, but he has spent a lot of time working out and explaining the various options to me. As a result I have a peace of mind that I had not thought possible. I feel very fortunate that in what I see as the dodgy world of financial advisers, I have (on the recommendation of a colleague) ended up with Holder & Combes.

Celia Locks

Added: January 25, 2013

I am a new client to Holder and Combes but have had a very positive experience so far. They are professional organised and transparent in all that they do. I am looking forward to working with them for the foreseeable future.

Paul Mersh
Managing Director at cer

Added: January 18, 2013

I have known both Ed and his business partner Nick for 4 years. In that time, I have worked with Holder & Combes as well as being a very happy client of theirs. Their client-centric approach and superior market knowledge put them up with the best firms I have worked with my 15 yrs in Financial Services

Paul Judd
Business Development Manager

Added: June 29, 2012

Holder & Combes were recommended to me by my solicitor to advise on a technical issue. It certainly wasn't straightforward but Ed and his team put in a monumental effort, breaking records for call durations to the underwriters, driving process change within the dinosaurs of General Insurance and maintaining excellent humour along the way. Hours were invested for a very modest policy and I would not hesitate to return for any advice in the future.

Hugo Elliott
Markets & International Banking (RBS)

Added: May 29, 2012

I consider you to be very good at your job for many reasons but in particular because of your ability to phrase things in a simple way, targeted for the person you're talking to so they understand clearly. Professionals often like to use complicated words and industry terms to confuse people and make themselves look clever – but not you guys. Your emails epitomise this! I've no doubt your other clients love your manner and approach. I've spoken to a lot of different people and you guys really do seem to know a lot more than everyone else. On reflection, the advice you've given has saved us an absolute fortune but for me the most important thing is that it saves me having to worry about the future.

Jon Timms
Founder/ Director - JTX Fitness

Added: May 21, 2012

After an encounter with a dodgy pensions salesman, we were so relieved to meet with Ed. He wanted to give us advice based on our own unique situation, and to put our interests first. He treated us as intelligent people, and went to great lengths to explain his advice. He was very generous with his time, (although we didn’t have much to invest)! We are so happy that we found Holder and Combes and made some plans for our financial future.

Lara Houston

Added: May 1, 2012

After being recommended Ed by a friend, my first foray into financial planning has been smoother and far easier to understand than I could have imagined. Not your stereotypical financial advisor, Ed has taken away a great deal of the mystery of the financial world for me. Ed and the team at Holder and Combes made me feel very comfortable with my investments and I am happy to recommend to anybody seeking financial advice in the future.

Jon Clifford

Added: February 19, 2012

Ed was recommended to my by a colleague in November 2011, at which point, I quickly realised he was a most impressive individual. Certainly not your stereotypical Financial Advisor, Ed is an animated and enthusiastic person who is happy to talk about anything and everything. But when it comes to business, Ed and his team certainly go the extra mile to ensure their clientele receives unbeatable support and service. I look forward to a long-standing and deep rooted relationship with Ed and would suggest anyone considering a financial advisor to take the first step.

Luc Gernay
PMO Analyst (Banking)

Added: February 16, 2012

Ed Holder has been my IFA for about 5 years now. He's helped me no end with all matters financial (for both myself and my business) and has made the purchase of an office and a family home possible for me. He possess an unfathomable boundless enthusiasm for all he does while understanding very well that people like myself neither understand nor really care that much about the maze that can be financial planning. To know that I have someone like Ed and his excellent colleagues looking out for me is a great relief. I always recommend Holder and Combes to all I meet so I'm sure they owe me another lunch by now…

Adam Jenns
Founder/ Director, Mainframe Ltd

Added: November 8, 2011

Nick has been my family's IFA for eight years and I can't recommend him highly enough. He is always available and able to help, and as my position has developed over the years Nick's advice and support has been spot on every time. He is very customer focused, has great integrity and his market knowledge is excellent.

Christopher Hamilton

Added: October 6, 2011

Trust is a very important attribute that I look for in people, particularly when it comes to dealing with my financial matters, and I trust Nick's judgement and abilities. As a client of his for the past 2 years, I have also been consistently impressed with Nick's accessibility and attention to my needs. As I grow my own business over the next few years I am confident that Nick will be integral part of my network which will steer the business towards growth and prosperity.”

Michael Barker

Added: September 24, 2011

Ed has been my IFA for almost three years. He is great to work with and clearly passionate about what he does, taking the time to explain the options and demystify what can be quite complex investment choices. And the proof is in the pudding – Ed has really built value in my private pension fund. I had no idea how much better the returns could be until Ed suggested I move it into a new investment scheme where it has grown much faster than it was previously growing.

Linda Eziquiel
Business Advisor

Added: September 6, 2011

I have had a very positive experience working with Ed and his firm. He has a high degree of integrity and his firm has a client oriented and results oriented focus. Recessions often result in the growth of customer focused, highly productive firms and that is exactly the type of business Ed is a part of.

Ambasuthan Jananayagam

Added: August 25, 2011

Ed excels in his field. He is accomplished and expert and never fails to give sound guidance and advice. My partner and I trust him implicitly and when we've recommend him to friends and colleagues the feedback is always positive and enthusiastic. He's an impressive guy who always delivers creative, skillful and intelligent solutions. Its been hugely beneficial working with him. Its a pleasure to recommend him.

Neil Harber
Head Hunter

Added: July 12, 2011

Nick has a gift for explaining financial matters in a very human and easy to understand way that enables one to make informed decisions. Everything feels easy and comfortable, leaving me in control but unburdened by the administrative side of things. In addition he's highly personable and a pleasure to work with. I would highly recommend Nick to others.

Audrey Yvernault
Public and external affairs adviser

Added: June 29, 2011

Always quick to respond to emails, and able to offer clear, easy-to-understand advice. Not your conventional suit!

Joanna Woolf
TV and Digital Producer

Added: June 14, 2011

I have been a client of Nick's for over 9 years. He has provided me with expert advice around a range of products and has consistently proven demonstrated his expertise. He has also gone the extra mile for me as a client and I have been completely satisfied with his service. I trust him and would happily recommend his work.

James Greengrass
Head Hunter

Added: June 13, 2011

Nick has provided his expert advice to me over the last few years and I have great confidence in his, and the Holder & Combes, ethic and abilities. He has produced good results with my investments, and shown patience, care and a genuine interest in my circumstances, making what was once a somewhat daunting subject straightforward, interesting and enjoyable. I'd recommend him to anyone without reservation.

Miles Essex
Web Designer

Added: June 2, 2011

Ed has been my advisor for a number of years and has always provided me with good quality, helpful advice in a very personable way.

Matt Seymour
CEO at RiskFirst

Added: May 19, 2011

Professional, approachable, friendly, efficient and knowledgeable. I have no hesitation recommending Ed's services

Dan McLachlan
Web Consultant & Designer

Added: May 18, 2011

I've known Ed socially and professionally since 2005. He is one of the most approachable, honest and intelligent people I know; therefore, I never hesitated to ask Ed for financial planning advice. The level of service Ed provided was exactly as I expected it – highly professional and appropriate. Based on this, I strongly recommend Ed's services.

Eugene Kumeyko
Derivatives Broker

Added: May 17, 2011

Unlike many advisors Ed makes the world of finance easier to understand. He was able to very quicky respond to our particular requests and provide a range of well balanced, good value options. He was also very supportive all the way through our house purchase and provided excellent advice throughout.

Donald Campbell
Marketing Manager

Added: July 21, 2010

Ed has been my financial advisor for a few months and so far I'm delighted with everything he has done. He has strong opinions, a very reassuring no-nonsense approach and is great at explaining why he recommends the products he does. He also took on a lot of the admin burden of sorting out pensions, savings and numerous kinds of insurance, which made life a lot easier for me. If you want someone smart who is on your side, Ed's your man

Richard Hollins
Financial Copywriter

Added: June 22, 2010

Ed is a splendid fellow. He is almost able to get me interested in financial services. Not quite perhaps, but his enthusiasm for the subject, whilst utterly alien to me, somehow rubs off and I listen. There's often a bit in the meeting where just his mouth moves and I start thinking about badgers on roller skates and hot air balloons made of cheese whilst drawing pictures in my notebook and checking my iphone, but thankfully, Ed is so trustworthy, and committed to my financial health that none of this matters. After all, it's my job to make some money being creative and it's his job to stop me frittering too much of it away. I'm (literally) all the richer for knowing Ed. Generally I'd rather cut important bits of my body off with a rusty spoon than think about finance. Ed seems to have a steely way of getting me to put that old spoon down and sign where it matters. It's quite a talent, and I'm happy to say it's a creative skill too; Ed is a veritable poet of the pivot table.

Chris Clarke
Chief Creative Officer LBi

Added: December 10, 2009

Since taking over the management of my pension, Holder & Combes have reduced the charges, increased my investment options and their fund advice has produced impressive returns after only a year – I wish I had met them 15 years ago!

Fiona Couper
Managing Director

Added: May 3, 2009

I have used Holder & Combes personally and would recommend them highly. Their personable manner and knowledge of the financial services sector is excellent. We have had no issue in recommending them to our clients and they have proved consistently to produce great results for everyone we have referred

Giles Brown
Associate Director

Added: January 16, 2009

The guys at Holder & Combes have been a great support in terms of professional services and really understanding my personal and family needs. I have every confidence that they look after my needs as a priority. Well done guys, and as and when appropriate, I will refer your services to colleagues, friends and family.

Andrew Wong
Managing Director

Added: January 12, 2009

Nick has been my financial adviser for about six years now, and I have been consistently impressed. His advice is always timely, accurate and straightforward, and he has been instrumental in helping me plan all of my major financial decisions. He has the highest integrity and I would recommend him to anyone.

Stephen Crookbain

Added: September 3, 2007

I have had other financial advisors in the past and have been privy to friends' dealings with other financial advisers and I can honestly say that Ed stands head and shoulders above other advisers. I would recommend his services without hesitation.

Michele Bogucki
Sales Financial Coordinator


Added: October 20, 2020

We applied for a mortgage through Justin & Madhuri of Holder and Combes Mortgages and received an offer within 9 working days! Justin’s knowledge of the banks’ products and lending criteria were invaluable for us, especially in the current climate and our circumstances. Madhuri was very helpful throughout the application process and was happy to jump on a Zoom call whenever needed to discuss outstanding requirements. Overall, the communication and service were faultless; we will definitely use Holder and Combes mortgages again in the future.

Talia Duarte
Marketing Manager

Added: February 6, 2019

Madhuri and the team at Holder & Combes have been great throughout our mortgage applications; they have gone over and above expectations keeping us informed thoroughly at all stages throughout the mortgage process.
The team are always available, approachable and professional in how they approach their work. I cannot find fault in their services.

Ben Carroll
Construction Manager at ISG PLC

Added: August 24, 2018

We got excellent service from Lawrence and Madhuri at Holder and Combes, giving us great options we hadn’t considered. They managed to find us the two mortgages we needed at low fixed rates from reputable lenders and interfaced with our conveyancers brilliantly. Top marks!

Mark Stevenson
Strategy Consultant

Added: May 17, 2018

Holder & Combes came to my rescue recently when I had to get a mortgage in a hurry so I could move home at short notice due to divorce.

Lawrence and Madhuri gave first class advice and attention to me and identified a mortgage to suit my needs really quickly. They were always there to help with the lengthy financial checks and necessary document preparations we all have to go through these days.  Nothing was too much trouble. Thanks to both of you.

Ian Mizen

Added: April 24, 2018

Holder & Combes and have been our first choice for financial planning and mortgage services since our first property purchase in 2007.

Justin’s advice is always tailored to our needs and his determination in securing the most suitable products have helped us achieve financial goals.

I wouldn’t hesitate in recommending their services.


Chirac Shah
Online Marketing Manager

Added: March 22, 2018

I am, by my own admission, far from being the ideal mortgage customer. My attention to detail is woeful and I am hopeless at keeping personal records, proofs of address and so forth. Thankfully, however, Madhuri and Lawrence are terribly efficient, make sure I do my homework and are both tireless in ensuring that I get the right product and that the process runs smoothly. They are highly recommended.

Christopher Creissen
Director at Spier Consulting

Added: January 19, 2018

Lawrence and Madhuri took a huge amount of the stress out of arranging my first mortgage – their advice and efficiency was a godsend. I’ve already recommended them to my brother and to a close friend as reliable and effective.

Laura Burgoyne

Added: January 10, 2018

We had a very complex set of remortgages to do this year. Moving two residential mortgages into a smaller company one, remortgaging and borrowing more on a buy to let and our own home and remortgaging another buy to let. These all had to be synchronized quite carefully so we could get the cash flow right whilst getting the best deals. Lawrence and Madhuri made this easy for us. They found some great deals across the board, despite our niche requirements, got us the money we needed and took away much of the duplicate pain we expected to endure through this process. They were the glue that held it all together, anticipated to asks and outcomes correctly and were far more proactive than any of the lenders or solicitors involved. We are now paying less to borrow more and have a much better structured portfolio, we have recommended their services to friends and family and will continue to do so

Ben Grinnell
Management Consultant

Added: December 18, 2017

Working with Lawrence has been a breath of fresh air. As a first time buyer, he took me through the best options available as well as offered advice on timings and lender. What was a stressful buying process was made far more bearable when dealing with Lawrence.

Edward Ellis
Consultant, Energy & Manufacturing Practice

Added: November 7, 2017

I am extremely grateful again to Lawrence and Madhuri at H&C for all their work on our recent re-mortgage. This time we had a rather unusual situation and Lawrence managed to find and explain a product that would save us a great deal of money. Having now completed my 3rd mortgage via Lawrence, I would have no hesitation in recommending his and his company’s services. The team are knowledgeable, helpful and above all have a friendly and approachable attitude which is essential for navigating today's financial minefield.

Craig Westwood
Event Projection

Added: October 11, 2017

We’ve used Holder & Combes to help us with our remortgages for nearly 10 years. I simply wouldn’t consider going to anyone else! Their expertise is second to none. They always provide creative solutions, demonstrate understanding and access to market rates that you won’t find trying to do it yourself, and always save us thousands of pounds in the process. To steal a quote from the legal industry, “The man who represents himself has a fool for a lawyer”. This applies equally to the person who tries to remortgage without Holder & Combes’ advice!

Martin Williams
Management Consultant

Added: October 10, 2017

We have asked Holder and Combes to support us in sorting out our life insurance as well as our savings for the future education of our 4 children! Madhuri and Lawrence have made the whole process of sorting out our mortgage very smooth indeed! So much so, that we have asked Holder and Combes to support us in sorting out our life insurance as well as our savings for the future education of our 4 children! Thanks for everything. Jenny Johnston


Added: May 10, 2017

THIS IS NOT JUST A TESTIMONIAL!!! Madhuri and Lawrence did a fantastic job getting me out of a sticky situation and turning it around with speed and efficiency. As a property investor I didn't want to lose this particular deal. Due to a previous broker who nearly lost me this deal. I needed help quickly …. Lawrence delivered immediately Madhuri tied up everything giving it a sexy and glossy finish. Highly recommend them to anyone seeking advice and financial products. Thanks guys 🙂

Ruzina Begum
Accounts Clerk

Added: January 9, 2017

Our combined ages of 140 and fixed pension income definitely counted against us in our search for short-term mortgage finance. Routine enquiries on the High Street produced nothing. The name of Holder & Combes appeared in a web search. Initial appointments with Lawrence were more encouraging but it was clear that our risk profile was generally at odds with most lenders’ criteria. Lawrence worked tirelessly to maximise the amount we could borrow whilst keeping the mortgage product fees under control. We eventually were offered over £160,000 but this was not the end of the trail for Holder & Combes. Madhuri had to work on our behalf for weeks to satisfy the lender’s apparently insatiable appetite for documentation in respect of our personal circumstances and financial stability. She and Lawrence made a great team. We are pleased to report that we completed the re-mortgage of our London apartment and completed the purchase of our new Chester apartment in three days in the week before Christmas.

Robert Ashton and Catherine Bond

Added: January 8, 2017

Lawrence and Madhuri at H&C have guided and assisted us through what could have been a stressful venture. We are both working and in our 60s, but were finding it difficult to get our mortgage paid off, and didn't want to downsize or move. However, they have helped and assisted us every step of the way, prompting and reminding, reassuring and guiding us until we are now in the position where the mortgage on our main residence is paid, and our new buy to let mortgage is paying for itself. They are approachable, knowledgeable and responsive to emails and phone calls, and I wouldn't hesitate in recommending them for anything mortgage or pension-related, particularly if you are busy with more interesting stuff, and finance isn’t your bag. Their patience knows no bounds.

Jacqui Dickson
Debevoise & Plimpton

Added: December 19, 2016

I moved to H&C about a year ago. I have found them to be very knowledgeable, helpful and creative. They have helped me with my pensions, life insurance, company investments and a mortgage on an overseas property. So far the returns that have achieved have been way more than I was previously seeing. Thank you all and please keep it up.

Lawrence Abramson

Added: December 15, 2016

Madhuri and Lawrence were very professional and extremely helpful throughout the process. As first time buyers we had lots (and lots) of questions which Madhuri and Lawrence were always quick to answer and never made us feel like any question was too silly. We were under a lot of pressure to move the process along quickly as our sellers had received other offers, and Madhuri was absolutely fantastic in speeding things along, organising for our mortgage application to be fast-tracked and constantly doing everything possible to ensure it went through as smoothly as possible. We would have absolutely no hesitation in recommending Holder & Combes to others and would definitely use them again.

Andrew Burgoyne

Added: November 25, 2016

My wife and I completed our first ever – not so standard – property purchase with the help of Lawrence and Madhuri from Holder & Combes in September 2016. From the moment we got in touch with them until completion and even beyond that, they showed great professionalism and efficiency. Furthermore, they were both very prompt and approachable via email, phone and in person. We felt they genuinely cared about our application and pulled out all the stops to achieve what we needed. We cannot thank them enough for their help. I will definitely recommend them and use their services in the future.

Gergo Szabo
Client Relationship Manager

Added: June 29, 2016

I have just completed on the purchase of my property with the help of Holder and Combes. I could not have done it without Lawrence and Madhuri. They were amazing from start to finish. Lawrence took me through the whole purchase process from the beginning, guiding me and assisting me throughout my purchase. He encouraged me not to give up even when the first lender turned me down after the valuation, persuading me to try another lender and our persistence paid off. I could not have done it without him. I truly can’t recommend them enough. They don’t leave you until everything is completed. Even when my case was in the hands of the solicitors, Madhuri was still on the case making sure everything was done in a timely fashion. Thank you very much Lawrence and Madhuri. You made this whole experience easy and straightforward. I will be recommending you to everyone wanting to buy a property in the future. I will definitely be in touch with you for my next property purchase.

Abena Brago
Team Leader – Imaging

Added: June 20, 2016

Holder & Combes have expertly handled my mortgage, pension, and investments over the last decade. Finance can be a daunting world, but their advice has always been friendly, authoritative, and clear – somehow they always find a way of demystifying the process. Highly recommended

Joe Turp

Added: June 14, 2016

I have used Holder & Combes for around 10 years now for both my personal finance and mortgage and re-mortgage requirements. I use H&C because I find their approach highly professional, reassuring and very friendly. I have a number of financial plans running with H&C and I completely trust Ed's advice. I have been delighted with the results and I feel like I have an extremely well managed portfolio that has been expertly designed by Ed and his team for my needs and requirements. I fully intend to keep my investments in their safe hands now and into the future.

Alex Franks
International Director, Tesco Mobile

Added: June 13, 2016

I cannot recommend Lawrence and Madhuri at Holder & Combes enough for their hard work and constant contact with us whilst we were buying our first home. We had 4 weeks to exchange on our home and our solicitors were awful. Without Madhuri being on the case everyday to push them, we would have been more stressed than the normality of stress you experience from buying your home. We were always being updated as to what had to be done and the steps as to what was next in the process and for that we are so very grateful.With my partner working away all week, it was difficult for me to get it all done on my own but with thanks to Lawrence and Madhuri, it made my life easier! So thank you! Daniel Inkley

Daniel Inkley
Logistics Supervisor

Added: June 6, 2016

I am a full time GP, married with two children. I am very busy in my Practice and simply do not have the time for additional paperwork, I just want to praise Lawrence and Madhuri from H&C for their fast, efficient service, as well as their professionalism, as they helped remortgage my properties, on every step of the way. They are very helpful and friendly, I will definitely be recommending them to my family and friends, once again, a job well done.

Dr. Syed Shah
General Practitioner

Added: November 23, 2015

We are much indebted to Holder & Combes for their assistance with our applications for a mortgage, life cover and buildings insurance. Along every step of the journey, Lawrence and his team imparted their expertise, tailored precisely to our individual needs. They all worked tirelessly to obtain the best possible outcomes for us and meet our tight timeframe. Many thanks to all three of you.

Oliver Duguid
Landscape Architect

Added: November 9, 2015

It's hard to imagine greater lengths Ed and his team could go to to provide their top class financial planning service. From long-term strategy to well thought through advice on the immediate needs of mortgages, dividend and tax planning, their guidance has been excellent. I have no hesitation in recommending Holder and Combes. And have done frequently.

Rupert Sanderson
Rupert Sanderson Shoes

Added: May 22, 2015

I first met Ed 3 years ago and it was a huge relief to have such a great person advising on what can be very complex matters. It is clearly obvious that he and his team have a huge wealth of knowledge and know how to explain everything in language that is easily understood. Ed and his team advised me on my personal and business pensions, investment opportunities and recently Justin helped secure a great mortgage for our new home. Its a genuine pleasure working with Holder & Combes

Ross Fleming
Founder and COO at LIONIZR

Added: April 28, 2015

Justin Al-Kaisy at Holder & Combes was my Mortgage broker and he did a fantastic job. He went above and beyond to help me out and was very patient and thorough. I would recommend him and Holder & Combes to everyone. I will now be using H & C for more financial matters in the near future!

Oliver Smith

Added: February 4, 2015

Justin's calm and confident nature lent us the reassurance we required throughout the otherwise potentially stressful process of selecting and securing our first joint mortgage. We could not recommend Justin, at Holder and Combes, highly enough to anyone else going through the process of buying their first home.

James Uphill
Medical Research Council (UK)

Added: December 23, 2014

I have been hugely impressed by Ed's responsiveness and the time that he and his colleagues have taken to guide us through some big decisions for us investment-wise. While we are no doubt small-fry in comparison to a lot of their clients, and are approaching the world of investments with very limited knowledge and experience, Ed and the team have always ensured that we feel like highly valued clients, and nothing is too much trouble. The more recent work that Justin has done with us on our mortgages has been very attentive and we are very grateful for all the time he has spent with us and working to secure the best deals for us. Ed's no nonsense, straight talking approach has been most reassuring and instilled a lot of confidence in us as novices. Thanks for the ongoing support and advice.

Jennifer Millins
Mishcon de Reya Solicitors

Added: October 15, 2013

Ed and the team at Holder & Combers have been fantastic in working through and advising us on all things to do with our personal and family finances over the past two years whether it be pensions, tax, investments, insurance or mortgages. Essentially really important stuff but not something we can get remotely excited about. This makes Ed and the teams' enthusiasm, transparency, dedication and professionalism all the more comforting. We would recommend them in a heartbeat.

Piers Clough
Management Consultant

Added: February 5, 2013

Holder & Combes have been looking after my pension, giving me advice on my investments and helping me with mortgages now for several years, and have just helped me in getting my current mortgage re-underwritten for my new house. At every stage of each investment I have had all the risks and benefits of each decision explained, both in person and on the phone. My most recent mortgage was handled personally by Justin Al-Kaisy, who successfully navigated me through the process, and has been extremely helpful and diligent throughout, and has helped keep my mortgage provider on a tight time schedule for the whole process. I've been extremely happy with the personal and impartial advise I've received over the years, and feel the products I've been recommended have been a good match for my financial position, and have performed well. If you are looking for a group of highly professional, highly qualified and highly personable IFA's, then Holder & Combes should fit the bill.

Nick Runeckles

Added: January 23, 2013

Ed Holder, of Holder & Combes, has been providing us with financial advice and planning for several years. This has included our mortgage, pension, investment and tax arrangements. We have found him to be very friendly, approachable and helpful, able to apply his extensive financial knowledge to explaining the details in terms that we clearly understood. We feel fully confident in his capacity to manage our financial planning, and are completely secure in his professional handling of our affairs. We would have absolutely no hesitation is recommending him as a financial advisor.

Ron Katzler
Education Consultant and Trainer

Added: July 20, 2012

Just wanted to say a huge thanks to you and to Justin for your advice and help in getting not one but two mortgages set up in super quick time, enabling me to finance my lease extension and move house within a very short timescale. Also worth noting that Justin's assistance was invaluable to me in progressing my mortgage application whilst I was on vacation. I am a very happy customer, so thanks again to both of you! Jennifer Walker


Added: February 16, 2012

Under strict instruction from my girlfriend, and on the advice of a savvy Headhunter friend of hers, I approached Nick Combes at Holder and Combes for financial advice. My finances had been a mess for years. This was partly my own fault and partly the result of a very lazy financial adviser some years ago, who encouraged me to buy a dodgy endowment mortgage and seemed more interested in his sailing holidays than making my money work for me. My pension was a long forgotten scheme started when I was staff at the BBC. Over two visits six months apart, Nick carefully went through the options in lay terms for me and convinced me what policies I needed and which were luxuries. We then projected what expenses I needed to prepare for down the line. I have been delighted with all the advice I have received so far and will be recommending him to my mother next – a good measure of the regard I now hold for Holder and Combes!

David Boulter
TV Producer

Added: September 28, 2011

Truly excellent advice, helping us to manage pensions, investments and mortgage decisions.

Victoria Sisson
Business Owner at V8 Content

Added: June 22, 2011

Nick helps negotiate the minefields of mortgages, pensions, savings plans, all of which I find deeply tedious. He is a safe pair of hands, and very easy to work with – I would not hesitate to recommend him to any colleagues or personal friends/family.

Chantal Coady
Founder and Creative Director at Rococo Chocolates

Added: June 23, 2010

Holder & Combes helped me source a very good mortgage rate for a recent purchase, and were always available for follow up help and advice. I would have no hesitation in recommending them to others.

Peter Walsh
Private Equity

Added: February 15, 2009

Holder & Combes have consistently provided a first rate service on the many occasions that we have worked together. Their assistance and advice in relation to residential and commercial mortgages has always been efficient, attentive and highly competent.

Yash Kulkarni

Added: September 7, 2007

Ed has done a fantastic job in recommending financial products to my girlfriend and me over the past three years, particularly on the mortgage front where they have demystified a hugely confusing market for us and found the best deal available within the confines of our personal finances. He is fun to work with, honest and straight talking and I would strongly recommend him to anyone requiring financial advice of any sort.

Matthew Ball
Sales Director

No guarantee can be given that the information provided is accurate in the present or the future. It is not intended to constitute either a statement of applicable law or financial advice, and responsibility cannot be accepted for any subsequent loss following activity or inactivity by any individual or organisation. Indeed, such information should NOT be acted upon without first receiving appropriate and specific professional advice.