Business Details
35 Years
experience
Your Trusted Partner for Financial Advice Solutions
Established in 1991, Index FS has built a reputation as a trusted partner in financial planning and advisory services. With over three decades of experience, we have supported more than 3,500 clients in navigating critical financial decisions, from first-time home purchases to retirement strategies. Our team of independent financial and mortgage advisers prioritises a personalised approach, ensuring tailored solutions that align with individual goals and circumstances. We specialise in wealth building, protection, and tax-efficient planning, offering expertise in mortgages, equity release, pensions, investments, and corporate financial strategies. As an authorised credit broker regulated by the Financial Conduct Authority (registration number 222570), we maintain rigorous compliance standards and transparent practices.Our commitment to client satisfaction is reflected in our FCA authorisation, which underscores our adherence to industry-leading regulatory frameworks. We work collaboratively with clients to develop comprehensive financial strategies, leveraging our extensive market knowledge and diverse commission models to deliver value-driven outcomes. Our services cater to both individuals and businesses, with a focus on empowering clients to make informed decisions about their financial futures. With offices in London and a team of certified professionals, we combine local expertise with a deep understanding of national financial markets. Our approach integrates behavioural finance principles to enhance client learning and growth, ensuring long-term financial resilience.
Services
Mortgages
Equity Release
Investments
Pensions
Financial Planning
Protection
General Insurance
Tax Planning
Corporate Planning
Life Assurance
Details
- Year established: 1991
Highlights and features
- We offer 30+ years of experience in independent financial advisory services
- Our team holds FCA authorisation and regulatory compliance expertise
- We implement tailored financial strategies aligned with client goals
- We provide transparent commission models and market-leading advice
- Our services integrate behavioural finance principles for enhanced client growth
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional mortgage guidance
Personalised financial strategies
30+ years expertise
Transparent advice
Regulatory compliance focus
Services
Mortgages
We provide expert mortgage advice covering first-time buyer schemes, remortgaging, buy-to-let, and commercial properties. Our FCA-regulated advisers help clients navigate complex market conditions to secure optimal financing solutions. With access to diverse lenders, we ensure competitive rates tailored to individual financial circumstances while maintaining transparency about risks including repossession.
Equity Release
Specialist advice for homeowners over 55 seeking to access property equity through lifetime mortgages or home reversion plans. We assess suitability for later-life financial needs while explaining associated risks. Our guidance ensures clients understand implications for inheritance and eligibility for means-tested benefits while maintaining FCA compliance.
Investments
Personalised investment strategies based on risk profiles, financial goals, and time horizons. We help clients build diversified portfolios considering market conditions and individual circumstances. Our approach balances growth potential with capital preservation, offering regular reviews to adapt to changing financial objectives and market dynamics.
Pension Planning
Comprehensive pension solutions including scheme setup, consolidation, and retirement income strategies. We advise on tax-efficient drawdown options and annuities while considering clients' broader financial plans. Our expertise covers workplace pensions, self-invested personal pensions (SIPPs), and cross-border pension arrangements for UK residents.
Financial Planning
Holistic financial strategies covering tax efficiency, inheritance planning, and corporate financial solutions. We coordinate with accountants to optimise financial structures for property portfolios, pension income, and business needs. Our planning integrates risk management through protection products to safeguard clients' financial futures.
People
Emmanouel Kontis
Director & Founder
With over 30 years in financial services, Emmanouel established Index FS in 1991. He oversees strategic direction and regulatory compliance while maintaining hands-on client advisory roles. His expertise spans mortgage markets and wealth management frameworks.
Greg Simmons
Senior Mortgage Adviser
Specialising in residential and commercial mortgages, Greg brings 25+ years of lending expertise. He focuses on complex cases including self-employed applicants and portfolio landlords, ensuring optimal financing structures within FCA guidelines.
Steven Savvas
Protection & Insurance Manager
Steven manages insurance solutions with 20 years' experience in life assurance and risk management. He designs protection strategies covering critical illness, income protection, and whole-of-life policies tailored to clients' family and financial circumstances.
Andre Cove
Financial Adviser
Certified financial planner with 15 years' experience advising on pensions, investments, and tax-efficient strategies. He specialises in cross-border financial planning and new UK resident financial integration, maintaining CII qualifications.
Brandon McEleavey
Mortgage Adviser
Qualified mortgage specialist focusing on first-time buyers and remortgaging. With 10 years' experience, he provides clear guidance on loan structures and eligibility criteria while ensuring compliance with FCA affordability rules.
Questions
What financial services do you offer?
We provide mortgages, equity release, pensions, investments, protection insurance, tax planning, and corporate financial strategies tailored to individual and business needs.
Are you regulated by the FCA?
Yes, we are authorised and regulated by the Financial Conduct Authority (registration number 222570) for all our financial advisory services.
How do mortgage advice fees work?
We receive commission from lenders based on fixed fees, percentage of loan amounts, or risk profiles. Full details of our commission models are disclosed during your advisory journey.
Can you help with later-life financial planning?
Yes, we specialise in equity release, inheritance tax planning, and retirement income strategies designed for clients over 55 seeking to optimise their financial legacy.
What investment approaches do you use?
We create personalised investment strategies considering your risk tolerance, financial goals, and market conditions, with regular portfolio reviews to ensure alignment with changing circumstances.
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