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About The Penny Group

At The Penny Group, we help individuals, families and business owners across the UK make confident financial decisions.

We’re a multi award-winning, Chartered firm – the gold standard in financial planning. We pride ourselves on our high-quality advice, strong client relationships, and commitment to professionalism.

Our recommendations are shaped entirely around your goals and values, not products. And when you work with us, you benefit from the collective knowledge and support of our whole team, not just one adviser

How can we help?

We’re here to help you align your needs, values and goals with your finances, giving you peace of mind knowing that you’re on track to achieve financial independence.

Contact an adviser

Financial planning

Mortgages

Protection & insurance

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Contact an adviser today for more information

Why choose us?

Whatever life stage you are at, we provide clear, expert advice tailored to your needs. From planning your retirement or managing an inheritance, to buying a home or growing your investments. (Figures taken from Vouchedfor data)

OF OUR CLIENTS

Would recommend us to family members, friends or colleagues.

OF OUR CLIENTS

Are confident that they are on track to achieve the goals with their adviser

OF OUR CLIENTS

Are satisfied with the overall service provided by The Penny Group.

4.75

OUT OF 5

Is the score our clients give the quality of advice they receive from their adviser

Meet the team

What our clients say

Our client reviews from Vouchedfor, the leading review platform for financial services

"To put it simply, Sanjay and his mortgage team at the Penny Group are great. This is the second occasion on which I’ve engaged them and the attentiveness, responsiveness, and overall service level is faultless. They’re genuinely concerned to ensure the best outcome for the client, even at their own expense. Cannot sing their praises enough."

OO, Sept 26

Client feedback

"Denver always gives good advice, and makes everything clear to us. He's easy to talk to and very patient with us."

FK, Aug 26

Client feedback

"Michaela was really helpful in supporting us with our mortgage, providing clear guidance and advise. Super organised and efficient throughout the process, while also being really knowledgeable."

LG, Aug 26

Client feedback

"I’ve used this company for the last 15 years to search and organise my mortgages and am pleased to confirm they are top of the pile nothing is beyond them they really take the strain out of searching and hold you hand explaining every step and checking everything goes through easily."

PB, Jul 26

Client feedback

Financial planning

"Tudor is proactive, very responsive and a pleasure to deal with."

AA, Dec 25

Retirement planning

"We have known James for a number of years and he has become a key advisor as we move towards retirement, his support and advice has been invaluable and I have recommended him to both relatives and colleagues"

CM, Dec 25

Vouchedfor review

Financial planning

"I'm very satisfied with the service that I received with Graham . He has always done his best to explain things to me and made sure that I understood decisions that I have taken."

CW, Nov 25

Vouchedfor review

Retirement planning

"As a widow, I was faced with huge financial challenges and I needed help with the management and future planning before my retirement age. I have had tremendous help, advice and support from a team of expert and dedicated advisers from Penny Group who are always willing to lend a helping hand."

MK, Oct 25

Vouchedfor review

Mortgages

"I can’t recommend Michaela Norbury and The Penny Group team highly enough! She is absolutely amazing – always so bubbly, positive, and a real pleasure to speak with. She’s made what could have been a stressful process feel smooth and reassuring every step of the way."

LC, Jan 26

Google review

Financial planning

"Denver is knowledgeable, friendly and an all-round good guy. Trust is our overriding priority, and Denver is completely trustworthy."

SC, Sep 25

Vouchedfor review

Mortgages

"Gregory Lodge arranged my mortgage for my recent purchase - his hunger and desire to help & deliver is second to none ('The Postman' of the Mortgage world... always delivering!). He has continued to update me with the best rate on offer as the market / interest rates move. Thanks Gregory!"

SW, Dec 25

Google review

Financial planning

"Tudor is supportive, provides good and timely information. He tries to understand my personal challenges and has helped me to feel more confident with my finances. Tudor engenders trust and looks for ways to help me in any way he can with financial matters."

HE, Sep 25

Vouchedfor review

Pensions

"Following my recent retirement I have been advised by Matthew Grimes on my pension options. I have found Matthew’s advice to be clear, concise, professional and easily understood. I would highly recommend Matthew."

LB, Jan 25

Google review

Financial planning

"James is very personable and is able to explain things in a way that is understandable to someone who finds financial planning somewhat confusing."

DW, Jan 26

Vouchedfor review

Mortgages

"Greg’s been an amazing advisor from the get go, made everything feel simple and manageable during what is naturally quite a stressful time. We felt fully supported the entire time and he was also unbelievably efficient and fast!"

LS, Dec 25

Vouchedfor review

Mortgages

"Michaela has been fantastic. She was very helpful and very responsive. Took care in understanding our situation and needs, and delivered. Genuinely cannot recommend highly enough! "

TU, Dec 25

Vouchedfor review

Financial planning

"I am delighted with the service, I trust Tudor completely. I feel very comfortable sharing life circumstances and my financial needs and ambitions with Tudor, as well as other matters. He is clear, knowledgeable, and incredibly personable, which for me, is hugely important. "

AS, Jan 26

Client feedback

Our company values

At The Penny Group, our mission is to provide clear, personalised financial planning and wealth management advice that helps clients make confident decisions throughout their lives. As Chartered financial planners, we focus on simplifying complex financial matters and building long-term relationships.

OUR VALUES

We are professional and accountable

OUR VALUES

We are dedicated, ambitious and always striving to improve

OUR VALUES

We enjoy what we do, working hard and also working smart

OUR VALUES

We are generous and selfless

OUR VALUES

We are a meritocracy

News & insights

Read the latest from The Penny Group

Market Updates

September 2026: Monthly market update

Market Updates

August 2026: Monthly market update

Wealth

Creating a deeper understanding of your finances

At The Penny Group, we help individuals, families and business owners across the UK make confident financial decisions.

How can we help?

Financial planning

Mortgages

Protection & insurance

Why choose us?

Meet the team

What our clients say

"Denver always gives good advice, and makes everything clear to us. He's easy to talk to and very patient with us."

"Michaela was really helpful in supporting us with our mortgage, providing clear guidance and advise. Super organised and efficient throughout the process, while also being really knowledgeable."

"I’ve used this company for the last 15 years to search and organise my mortgages and am pleased to confirm they are top of the pile nothing is beyond them they really take the strain out of searching and hold you hand explaining every step and checking everything goes through easily."

"Tudor is proactive, very responsive and a pleasure to deal with."

"We have known James for a number of years and he has become a key advisor as we move towards retirement, his support and advice has been invaluable and I have recommended him to both relatives and colleagues"

"I'm very satisfied with the service that I received with Graham . He has always done his best to explain things to me and made sure that I understood decisions that I have taken."

"As a widow, I was faced with huge financial challenges and I needed help with the management and future planning before my retirement age. I have had tremendous help, advice and support from a team of expert and dedicated advisers from Penny Group who are always willing to lend a helping hand."

"I can’t recommend Michaela Norbury and The Penny Group team highly enough! She is absolutely amazing – always so bubbly, positive, and a real pleasure to speak with. She’s made what could have been a stressful process feel smooth and reassuring every step of the way."

"Denver is knowledgeable, friendly and an all-round good guy. Trust is our overriding priority, and Denver is completely trustworthy."

"Gregory Lodge arranged my mortgage for my recent purchase - his hunger and desire to help & deliver is second to none ('The Postman' of the Mortgage world... always delivering!). He has continued to update me with the best rate on offer as the market / interest rates move. Thanks Gregory!"

"Tudor is supportive, provides good and timely information. He tries to understand my personal challenges and has helped me to feel more confident with my finances. Tudor engenders trust and looks for ways to help me in any way he can with financial matters."

"Following my recent retirement I have been advised by Matthew Grimes on my pension options. I have found Matthew’s advice to be clear, concise, professional and easily understood. I would highly recommend Matthew."

"James is very personable and is able to explain things in a way that is understandable to someone who finds financial planning somewhat confusing."

"Greg’s been an amazing advisor from the get go, made everything feel simple and manageable during what is naturally quite a stressful time. We felt fully supported the entire time and he was also unbelievably efficient and fast!"

"Michaela has been fantastic. She was very helpful and very responsive. Took care in understanding our situation and needs, and delivered. Genuinely cannot recommend highly enough! "

"I am delighted with the service, I trust Tudor completely. I feel very comfortable sharing life circumstances and my financial needs and ambitions with Tudor, as well as other matters. He is clear, knowledgeable, and incredibly personable, which for me, is hugely important. "

Our company values

News & insights

September 2026: Monthly market update

August 2026: Monthly market update

Helping children and grandchildren financially: Tax-efficient ways to pass on wealth

Creating a deeper understanding of your finances finances retirement wealth mortgages protection

At The Penny Group, we help individuals, families and business owners across the UK make confident financial decisions.

How can we help?

Financial planning

Mortgages

Protection & insurance

Why choose us?

Meet the team

What our clients say

"Denver always gives good advice, and makes everything clear to us. He's easy to talk to and very patient with us."

"Michaela was really helpful in supporting us with our mortgage, providing clear guidance and advise. Super organised and efficient throughout the process, while also being really knowledgeable."

"I’ve used this company for the last 15 years to search and organise my mortgages and am pleased to confirm they are top of the pile nothing is beyond them they really take the strain out of searching and hold you hand explaining every step and checking everything goes through easily."

"Tudor is proactive, very responsive and a pleasure to deal with."

"We have known James for a number of years and he has become a key advisor as we move towards retirement, his support and advice has been invaluable and I have recommended him to both relatives and colleagues"

"I'm very satisfied with the service that I received with Graham . He has always done his best to explain things to me and made sure that I understood decisions that I have taken."

"As a widow, I was faced with huge financial challenges and I needed help with the management and future planning before my retirement age. I have had tremendous help, advice and support from a team of expert and dedicated advisers from Penny Group who are always willing to lend a helping hand."

"I can’t recommend Michaela Norbury and The Penny Group team highly enough! She is absolutely amazing – always so bubbly, positive, and a real pleasure to speak with. She’s made what could have been a stressful process feel smooth and reassuring every step of the way."

"Denver is knowledgeable, friendly and an all-round good guy. Trust is our overriding priority, and Denver is completely trustworthy."

"Gregory Lodge arranged my mortgage for my recent purchase - his hunger and desire to help & deliver is second to none ('The Postman' of the Mortgage world... always delivering!). He has continued to update me with the best rate on offer as the market / interest rates move. Thanks Gregory!"

"Tudor is supportive, provides good and timely information. He tries to understand my personal challenges and has helped me to feel more confident with my finances. Tudor engenders trust and looks for ways to help me in any way he can with financial matters."

"Following my recent retirement I have been advised by Matthew Grimes on my pension options. I have found Matthew’s advice to be clear, concise, professional and easily understood. I would highly recommend Matthew."

"James is very personable and is able to explain things in a way that is understandable to someone who finds financial planning somewhat confusing."

"Greg’s been an amazing advisor from the get go, made everything feel simple and manageable during what is naturally quite a stressful time. We felt fully supported the entire time and he was also unbelievably efficient and fast!"

"Michaela has been fantastic. She was very helpful and very responsive. Took care in understanding our situation and needs, and delivered. Genuinely cannot recommend highly enough! "

"I am delighted with the service, I trust Tudor completely. I feel very comfortable sharing life circumstances and my financial needs and ambitions with Tudor, as well as other matters. He is clear, knowledgeable, and incredibly personable, which for me, is hugely important. "

Our company values

News & insights

September 2026: Monthly market update

August 2026: Monthly market update

Helping children and grandchildren financially: Tax-efficient ways to pass on wealth

Contact us

London

Woking

Hungerford

Sutton Coldfield

Keep up to date with the latest news and insights from The Penny Group

Creating a deeper understanding of your finances