Campbell Park, Milton Keynes

Famous concrete cows, Milton Keynes

Bletchley Park, Milton Keynes

Financial planning

Plan today. Enjoy tomorrow.

Straightforward guidance for every step of your financial journey.

Mortgages & protection

There’s a better way. Let’s find it, together.

From first homes to growing families, we protect what matters most to you.

The Collective Way

Working together, collectively.

Great financial advice that helps you find a better way forward.

About us

What we do

We help you feel confident about your money, whether you’re planning for tomorrow or thinking about how best to manage your finances today, shaped by the Collective Way of doing things.

From personalised advice on mortgages and financial planning to bespoke support on investments and protection, you can count on us to care for you and your family.

Financial planning

Find out more

Mortgages & protection

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About you

Feel confident about your next chapter

Navigating complex financial decisions can feel overwhelming, but you don't have to go it alone. Wherever you hope to be, we'll help you get there with expert guidance that gives you clarity, and clear advice that's shaped around your life, your ambitions, and the future you want to build.

First time buyer

Caring for you through the milestone experience of purchasing your first home.

Professional executive

Considered advice to help you grow wealth and plan with confidence.

Estate planning

Helping you enjoy later life, mitigate taxes, and secure your legacy.

Retirement

Thoughtful planning and clear guidance to help you shape a fulfilling retirement.

Moving or remortgaging

Supporting you through your next big move or remortgage decision.

First time buyer

Caring for you through the milestone experience of purchasing your first home.

Professional executive

Considered advice to help you grow wealth and plan with confidence.

Moving or remortgaging

Supporting you through your next big move or remortgage decision.

Retirement

Thoughtful planning and clear guidance to help you shape a fulfilling retirement.

Estate planning

Helping you enjoy later life, mitigate taxes, and secure your legacy.

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.

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Estate Planning is not regulated by the Financial Conduct Authority.

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

Your team

The people behind your financial journey

We’re a team of professionals with unique experiences and specialities, which collectively allow us to deliver a truly holistic service. Whether we're working behind the scenes or discussing financial planning or mortgages with you, we're each committed to putting you in control of your financial future.

Meet your team

Andrew O’Byrne

Certified Financial Planner™

Luke Smulders

Certified Financial Planner™

Financial Planner

Financial Planner

Financial Planner

Financial Planner

Financial Planner & Operations Manager

Sunny Sonpal

Financial Planner & Director

Financial Planner

Financial Planner

Financial Planner

Financial Planner

What do our clients say?

We are proud to deliver high quality advice, care and attention to all our clients – but don’t just take our word for it.

Suzanne Kentish

89 days ago

I have always received friendly and professional service from the team at collective financial planning. They have helped us with wealth planning, mortgages and investments over the last 20 years.

klaudia kokosza

138 days ago

We started the process of buying our first home at the start of this year and were recommended Jake Lee by a family members mortgage advisor. I can honestly say it has been the smoothest, most easy going experience we could ever have wished for. Jake has been brilliant throughout our whole buying process and has taught us everything we needed to know. He is so skilled in what he does which made whatever part we came up against totally understandable. Jake would call us on teams and after he was finished he would say „any questions” and our answer every single time without fail would be „nope, none!!!!!!!” That speaks for itself Thank you so much for all your help and guidance, we look forward to working with you for the rest of our time being house owners 😄😄😄😄😄😄😄

David Nash

187 days ago

Best decision I ever made regarding my finances. From initial consultation to completion excellent. If you're looking to secure your future finances look no further excellent company.

Lady Darling

229 days ago

Jake Lee was recommended to us by another financial advisor. Jake has been absolutely amazing! Throughout the remortgaging process there have been trials and tribulations, Jake has stuck with it all the way through. He has supported us, dealt with issues with external agencies and finally passed the finishing post! His commitment to communication, including him emailing us from his holiday and at weekends, is unsurpassed. Jake makes positive relationships very quickly, it leaves you knowing that you are in safe hands. Jake works very hard to get the best for his customers. I could not recommend Jake highly enough. Thank you very much Jake! The Darlings

Keith Cottington

231 days ago

I started using CFP in the middle of 2025 for beginning my path to early retirement. They have been very professional when dealing with my several pension pots, including being very patient with one difficult pension provider, who wasn't making access to info easy. All in all they have done a great job, I am now retired and drawing down from my pension pot in an investment fund recommended by CFP which (until Trump began in Iran), was doing extremely well. It is still doing very good despite this and I am very pleased with the performance. I would definitely recommend CFP for any Pension needs you have.

DONNA Scotland

242 days ago

Very knowledgeable in his field. Explains it very well so I can understand. Very friendly and comfortable while discussing everything to me.

Crispin Cockman

318 days ago

I've only got good things to say about Collective Financial Planning, and Luke Smulders in particular. Luke has been advising me on my pension planning/provision for some years now, during which time my fund has steadily risen. Luke is confident yet approachable and I'd have no hesitation in recommending his financial advice to anyone looking to plan for the future.

Adrian Hartley-Booth

472 days ago

Would thoroughly recommend Collective Financial Planning , wonderful to know that everything is in safe hands , no stress no fuss just good sound fiancial advise and planning

jack kearns

492 days ago

As a first-time buyer, I was expecting the mortgage process to be stressful and overwhelming—but Jake made everything so easy from start to finish. He took the time to explain every step clearly, was always on hand to answer questions, and genuinely went above and beyond to make sure everything ran smoothly. I couldn’t have asked for a better experience. Highly recommend!

Andrew & Samantha Lark

494 days ago

We had an absolutely fantastic experience with our mortgage adviser Jake Lee. From start to finish, he was incredibly helpful, knowledgeable, and professional. Nothing was ever too much trouble every question we had was answered clearly and confidently, and he made sure we fully understood every step of the process. What really stood out was his genuine willingness to help. He took the time to truly understand our situation and worked hard to secure the right deal and solution for us. He explained everything in detail, patiently walking us through the process so we felt confident and informed throughout. His dedication to making things as smooth and stress-free as possible didn’t go unnoticed. His communication was excellent throughout, always following up with detailed emails and keeping us completely in the loop. His reassurance and aftercare were brilliant even after everything was finalised, he continued to check in and offer support and aftercare which meant a lot to us. He’s a true credit to the company, and we’ll absolutely be returning as customers in the future. Choosing to get help from Jake at Collective Financial Planning was one of the best decisions we made. Highly recommend.

Joyce Borland

548 days ago

We had an informative consultation with Luke Smulders yesterday. He was very pleasant and professional. He gave a clear analysis of our financial situation without resorting to jargon. This was extremely helpful. We will be using Collective Financial Services again and would definitely recommend Luke

Huzaifa Ahmad

555 days ago

As a first-time buyer, the process of getting a mortgage and purchasing a home can be difficult When I started working with Linda From our very first conversation, she was not only professional and knowledgeable, but also warm, approachable, and genuinely invested in helping me find the right solution. Linda took the time to explain everything in clear, simple terms and guided me through every step of the process with patience and care. She was always available to answer questions, no matter how small, and she made what could have been a stressful experience feel manageable and even exciting. Thanks to her hard work and expertise, I was able to secure the mortgage I needed to my very first home. I truly couldn’t have done it without her. If you're looking for someone who goes above and beyond for their clients, I highly recommend Linda, she’s very kind and approachable and above all absolutely incredible!

Laureen Hemming

566 days ago

We asked for help with Equity Release and were signposted to Linda Ager. Linda explained things very well and very patiently so that we were able to act from an informed position We felt that we were talking to a trusted friend. with the friendliness came professionalism and experience for which we were very grateful. Thank you for looking after is so expertly

Lindsay Young

584 days ago

I found Luke to be very knowledgeable and helpful with the financial help he gave me.

Ariadni Argyropoulou

616 days ago

Our experience securing a mortgage offer with Linda Ager was incredible. She was very supportive and helpful. We are very grateful for all her help and we couldn't recommend her enough!

Ellen Reynolds

638 days ago

Wouldn’t go anywhere else!! Linda has been the most helpful person with me sorting my remortgage after helping me with my original mortgage, without her I don’t know what I would do! Could not recommend her enough!!

Jake Tingey

639 days ago

Linda Ager was brilliant from start to finish. She communicated frequently and nothing was too much trouble for her. I wish I’d used her sooner!

Sam Fordham

652 days ago

Spoke with Luke from CFP Ltd who was honest, polite and informative. He advised me about a pension and divorce finances. Really helpful and I felt he was honest, compassionate and understanding of my situation. Thank you.

Sally Wimpress

654 days ago

Luke was recommended to us and he was most informative without trying to push products that we didn’t want, we wouldn’t hesitate to speak with him again

Sorcha

694 days ago

Thanks so much to Bobi for her fantastic advice and support while we were sorting our mortgage and insurance. Bobi was very responsive (particularly with the ever changing mortgage rates!) and able to be flexible at every turn.

Jackie Kane

695 days ago

I spoke to Luke today about my pension investment options going forward. He made it so easy to understand the minefield. He was knowledgeable, respectful and patient and I wouldn't hesitate to recommend him. A credit to your Company. Thank you so much.

David Singleton

696 days ago

Linda has been fantastic at helping us with our mortgage. She took the time to understand our position, looked at all the options and came back to us with solutions. She then took all the headache out of the application process and saw it though to completion. Many thanks.

Germano Henz

858 days ago

My wife and I were first time buyers so we were not very familiar with all the steps of the process. Bobi White was extremely helpful throughout the whole process and was always happy to answer all our questions. Very knowledgeable, she went above and beyond sorting everything for us with excellent advice. I would highly recommend her!

Danny Imlach

858 days ago

Bobi has been fantastic in getting us a mortgage approved and helping us all the way through the process of buying our first home. I thought we would struggle due to bad credit of mine but Bobi worked hard to not only get us a mortgage but to make sure it was affordable for us. She was always on hand with any questions or wobbles we had and even helped give our solicitor a nudge! We will 100% be using her again, thank you so much.

Matt Howes

864 days ago

Bobi is excellent and would highly recommend her services

Stuart Mott

917 days ago

Great job by Linda helped us out extremely quickly and also good sound advice, thanks for your help😀

George Penn

951 days ago

Linda couldn’t have been more helpful. I was a first time buyer so wasn’t familiar with the process. Linda took me through the whole process explaining every step and was always on the end of the phone when I had a question or for some reassurance. I would highly recommend her to anyone.

Paul Raworth

971 days ago

Linda Ager has worked on my Buy To Let remortgages and I would fully recommend her services. Very friendly and very efficient. Kept me informed all the way through the processes.

Laura Walden

989 days ago

Linda is amazing. Very knowledgeable, always at the end of the phone, nothing is ever a trouble. Such a kind and helpful person to make a stressful process a lot easier to manage. Thanks Linda

Kishan Patel

991 days ago

I had a great experience with Bobi when sorting out a remortgage for my property- she got me a great rate and did everything efficiently from her side. She gave great advice and answered all my questions patiently. She also shopped around for a good rate right till the very end and got me a cash back offer so I didn't have to pay any solicitor fees. Would thoroughly recommend.

Sabrina Menzies

1000 days ago

Very professional and approachable.

Jack

1024 days ago

Linda was brilliant deal with and always took the time to answer any questions and always available. Prompt responses via email as well as returning calls. Highly recommended for first time buyers and investors.

Lucy Borrow

1061 days ago

Linda has been so great supporting me through some stressful moments this year when selling/buying, she has taken time to answer all my queries and explain anything I wasn't sure of and arranged my mortgage and insurances for me. Can't thank her enough for the brilliant communication throughout the process too.

Peter Bryan

1076 days ago

We had Bobi as our mortgage advisor and couldn’t recommend her more. Very responsive, helpful and always felt like she was working for our best interests.

Char S

1076 days ago

We were recommended Bobi with collective financial planning and were very happy that we went with her. Very informative and responsive. Couldn’t recommend more.

Paulo Silvestri

1100 days ago

Luke is a very welcoming, friendly, warm and knowledgeable professional, who has worked with integrity to provide me with sound investment and pension advice. It's refreshing to work with a Financial Advisor with a common sense approach, and who takes the time to understand a clients needs and is able to explain things in layman's terms. I'm more than happy to recommend your services at every opportunity. Paulo

Ellen Maulder

1102 days ago

Bobi was brilliant. We couldn't have done it without her. Super helpful, efficient and went above and beyond to get everything sorted for us - even helping us when our solicitors were non responsive! 10/10 recommend

louise penn

1109 days ago

As a 25 year old buying her first house on her own with no clue about the process. Linda Ager couldn’t have been more helpful in explaining the process, answering my questions and providing reassurance throughout. Would highly recommend!

Lindsay Prince

1116 days ago

Very happy to recommend Sunny and all the team - good advice, insightful market information and access to information at your fingertips. I have every confidence that we are in safe hands and feel extremely comfortable recommending to friends and colleagues for a service which has always been well explained and financially astute.

Graham Wroe

1116 days ago

Another excellent meeting with Sunny. Clear explanation of historic transactions, trends and forecasts in plain English. Discussion and recommendations for future actions and review points. Worthwhile meeting and service totally recommended.

Frank Esaw

1120 days ago

I have been with Collective Financial Planning since retirement, eight years ago, and found Sunny and his team always very helpful and quick to respond. I have referred a number of friends to him during that period and all appear happy with his friendly advice. Excellent, highly recommended.

Andrew Arthur

1143 days ago

i can only give a review of my experience of Linda Ager and her excellent advice & guidance, in my eventual purchase of my home. Linda never bamboozled me with elaborate jargon, straight to the point, and the nub of any issue. i was never ill at ease in the whole process, in fact Linda helped lessen the stressful nature of the whole house buying experience.

Katherine Dixon

1145 days ago

We had an amazing experience with Bobi. When entering the journey of buying our first home we knew nothing about mortgages! Bobi provided us with all the knowledge we needed and helped us secure a great mortgage. She has been very supportive throughout the process and was happy to answer all of our questions. We will definitely be reusing her services in the future!

Jamie Dwane

1148 days ago

As a first time buyer the experience was extremely daunting however Bobi was able to offer expert guidance. Extremely knowledgeable, very trustworthy and provides the best advice she can for the situation. I would recommend her to anyone in need of an advisor and fully intend on utilising their services when it comes to remortgaging.

Ben Harding

1152 days ago

We're really grateful to Linda. She was really helpful in securing a mortgage for us and made a complicated process as easy and painless as could be!

Abi Whittingham

1172 days ago

Linda was the best broker we could’ve asked for! She got us an amazing rate and talked us through insurance too. We were first time buyers and Linda made everything so easy for us. Couldn’t recommend enough!

James Atkinson

1214 days ago

I've just completed a remortgage with Linda Ager from Collective Financial Planning and she was absolutely fantastic. So proactive at all times and constantly chasing the solicitors and new providers immediately to make sure everything went through as quickly and smoothly as possible. Couldn't recommend highly enough.

Steve Parry

1218 days ago

Would always recommend CFP. Sunny is very good at explaining the current market conditions, how they are being impacted by world events and the impact on my portfolio. Advice has always been sound.

Susan Roberts

1219 days ago

Sunny explains well, provides facts and gives the details required. Also answers our questions ensuring we understand sufficiently so we can make informed decisions. Thank you, again!

John lownsbrough

1229 days ago

On the ball quick with a great attention to detail - couldn’t do enough for the customer Would recommend to anyone @linda agar @remortgage @debtconsolidation @extremely quick

Anzil Nadeem

1292 days ago

Amazing service

97.2 %

of financial planning clients believe that working with us has helped or will help them achieve their financial goals

98.5 %

of financial planning clients would recommend us to their friends, family, or colleagues

98.6 %

of financial planning clients were satisfied with the speed of response from their Financial Planner

How we work

The Collective Way

We have a defined process for working with clients, but the outcomes are anything but. Your unique journey begins with a no obligation meeting at a time and place that suits you, so you feel comfortable.

How we work