Welcome to Thomas Whiting Ltd – Independent Financial Advice You Can Trust

Who We Help, What We Do, and Why It Matters

At Thomas Whiting Ltd, we provide independent financial advice for individuals, families, and business owners who want to take control of their financial future.

Whether you’re planning for retirement, growing your investments, protecting your family, or building a stronger business, we tailor our advice to suit your personal and professional goals — no jargon, no guesswork, just clear guidance.

Based in Bolton, we proudly support clients across the UK with trusted advice that helps you make confident, well-informed financial decisions that last.

Ready to feel more in control of your finances?

Let’s have a no-obligation conversation to see how we can help.

Our Team

Why Choose Thomas Whiting Ltd?

✔️FCA-authorised and regulated

✔️ Personal, face-to-face or remote financial advice
✔️ Transparent fees – no hidden costs

✔️ Trusted by clients across the UK

Learn more about our team and values

Our Services

Investments and Tax Planning

We offer Advice on Investments whether they be existing or new arrangements. We can review your current situation and make sure your money is in the appropriate place to suit your needs and goals

Mortgages, Buy-to-let & Equity Release

Whole of Market Mortgage Advice – Whether you are a First Time Buyer, Homemover, Buy to Let Investor or looking for a Re-Mortgage or to release some money from your home in later life, we can identify a lender to help

Tosca and Yellow Modern Life Insurance Banner Landscape (4)

Pension and Retirement Planning

Its very important to review your pensions and retirement plans, to make sure they will provide you with adequate income when you come to retire.

Why not let us give your Pensions and Retirement Plans a check up today and make sure they are in the right place for your needs and give you an update of what your retirement may look like going forward.

Life Insurance & Protection

Protection for you and your family including Life and Critical Illness Cover, Income Protection and Mortgage Protection

      EXCELLENT  
   Based on 45 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   helen 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you so much Thomas Whiting Ltd. Ash came over to discuss our options. He was very knowledgeable and professional yet explained everything to us in layman’s terms so we completely understood our options and the house buying process. Ash was on hand to answer any questions we had, only a phone call away. Wouldn’t hesitate to recommend Thomas Whiting Ltd for mortgage advice. Thank you
  
 
      Posted on Google  
   
   Olivia Kenyon 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ash was absolutely fantastic and explained everything to us so we understood the whole process of our mortgage application! We were first time buyers and had no clue what we were doing and ash basically sorted everything for us! Couldn’t thank them more! Would definitely reccomend!!😊
  
 
      Posted on Google  
   
   Drew Ottley 
 
 
 
 Trustindex verifies that the original source of the review is Google. As first time buyers we didn’t have any idea what we needed to go to get a mortgage. Danny was fantastic and took the time to talk us through everything, managing to get us a mortgage even though it wasn’t straight forward. Even answering all our questions while on holiday! Would recommend to anyone. Thanks very much Danny!
  
 
      Posted on Google  
   
   Staying Anonamous 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic service. Highly recommend. Used for 2 serves to date and still a couple to go. Would not consider using anyone else now.b
  
 
      Posted on Google  
   
   Helen Fisher 
 
 
 
 Trustindex verifies that the original source of the review is Google. Andy Skinner is excellent at his job. He came round to our house to offer his advice regarding our remortgage and was wonderful from the very beginning. Andy is very knowledgeable but explains things in such a simple way, something that I was very grateful for! He guided us through the process from start to finish and nothing was too much trouble for him. Would highly recommend.
  
 
      Posted on Google  
   
   Kevan Stirling 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic service as always so helpfull and everything explained in easy listening terms
  
 
      Posted on Google  
   
   Brittany Hartley 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ash was helpful and knowledgeable, which made the whole process so much smoother. He handled everything quickly and efficiently, taking the stress out of it all. I really appreciated his help. Highly recommended.
  
 
      Posted on Google  
   
   TheJL 
 
 
 
 Trustindex verifies that the original source of the review is Google. Andy has been fantastic and has the patience of a saint! He’s helped us with our mortgage, life insurance (twice as companies love to be awkward!), our wills and we’ve also set up a fund for our baby to have when she’s 21. He explained everything to us, answering all of my silly questions. Really impressed and can highly recommend. Thank you!
  
 
      Posted on Google  
   
   Tracy Fitton 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service, clear explanations and product information.
  
 
      Posted on Google  
   
   Shona Bird 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great company and service. Very friendly & helpful staff!