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Personal service, quality independent advice

Company director Jed Elverson has been providing financial advice since 1989 and since those very early days the business has developed and grown primarily through client recommendations. As PF Financial he leads his team of qualified and dedicated advisers and support staff.

PF Financial are truly ‘Independent’ – we are independent in our advice and our ownership. We have no ties to any investment firm, insurance company, mortgage provider or bank. This enables us to deliver unbiased and objective based recommendations to our clients.  Our aim is to always provide high quality, impartial, unbiased and objective independent financial and mortgage advice so clients can be certain and happy with the advice and service they receive.

Talking your language

Whether we are providing a mortgage service, advising on equity release products, insurance or investments and pensions products, it’s important for us to understand your situation and aims fully. Only when we do this can we advise properly. We help clients who are very well informed and have an excellent understanding of the financial industry but many more who find the subject complex, stressful and confusing. Whatever your grasp of the financial world we pride ourselves on communicating everything in plain English, so you feel comfortable with everything that’s going on.

Advisers who care

Getting it right. Those three words steer everything we do. From your initial enquiry to us you will have direct contact with a dedicated adviser who will listen and whose aim is to guide and steer you to a positive experience and outcome.


We are paid for our services. However, we provide a mortgage advice service that is fee free for you, the borrower, as the mortgage lenders pay us directly. For all our other services we offer an initial, no obligation meeting and/or discussion at no cost to you. This is designed to help us decide whether we can help you and, more importantly, you decide whether you would like us to. During or after this meeting our charges for further work and advice would be fully explained including options on how our fees can be met. We are totally transparent in relation to our fees so never worry about receiving an invoice unknowingly, this won’t happen.

What our customers say:

Nadia Saadi

We used PF Financial for getting a mortgage and to be honest we had both had complicated situations. Jed and James were absolutely amazing, I have never received such attentive and helpful service. Nothing felt like too much trouble to James as I would call daily with another challenge which would always be resolved quickly. They got us a mortgage really quickly and gave such fantastic help, advice and support. I recommend them highly and will be back in the future.

Nadia Saadi

Michael Gill

We used these guys when we moved from Amersham to Chesham, and more recently to sell our place in Chesham. What makes these guys stand out is how they all work together as a team making sure all the parts of the transaction are as smooth and stress-free as possible. We also found our mortgage via their financial services team whom without we may not have got the deal we did. If you are considering buying or selling your property or simply need financial advice, you should drop in and talk to these guys.

Michael Gill

Mac Avenell

My partner and I found James Pinder and his colleagues to be extremely helpful, always assisting with our needs and meeting our tight deadlines. As first time buyers, we knew little about the mortgage process and PF Financial provided us with all the necessary information, which in turn meant that we could buy our chosen property. We would recommend using PF Financial to anyone wanting reliable financial/ mortgage advise.

Mac Avenell

Get in touch to discuss your next steps

If you are looking for free independent advice on mortgages, equity release, insurance or investments and pensions, then please get in touch. We work with clients across the Northern Home Counties, including Bedfordshire, Berkshire, Buckinghamshire and Hertfordshire.