Financial Planning is an ongoing process to help you make sensible decisions about money that can help you achieve your goals in life. Its not just about buying products like a mortgage or a pension.

Financial decisions can be complex and whilst you focus on paying off your mortgage, how do you know you’ll have enough for other important milestones like your children’s education and your retirement? Taking a few hours out of your hectic schedule will certainly help you make sense of all your finances. From the start of your journey finding your new home to making sure you have the retirement you deserve. It all about your vision and our expertise.

Merchant Financial Services (UK) Ltd is authorised and regulated by the Financial Conduct Authority. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

“Both my wife and I have been very happy with the service provided throughout our dealings with the company. Marziah and her colleagues have been fantastic.”

G.J, Detective Seargent

“I first met Marz in October 2011. Since then she has advised me on a range of different products. She truly understands that people need a portfolio approach, and she delivers on this. Marz is also exceptionally personable; I trust her and would call her if I ever needed independent credible advice on a financial matter. I would not hesitate to recommend Marz and Merchant Financial Services (UK) Ltd.”

S.R, Campaigns Director

“Marziah organised a mortgage for me in August of this year where no one else could. Not only that, she got me a great rate and package. The approach of the whole team is very personable, and they go the extra mile for the client. I would recommend Marziah and MFS to others looking for financial services.”

A.H, Director

“Delighted to find Marziah. She is an absolute gem, and I look forward to working with her in the future and have recommended her to all my friends and family.”


“Merchant Financial Services (UK) Ltd (MFS) have very professionally advised and arranged our life covers and critical illness covers. Not only have they managed to significantly reduce our monthly payments but they have almost doubled the cover. MFS are honest and their personal service is second to none. Our particular thanks go to Sabiha and Marziah for their efficient and professional service. They never hesitate to go that extra mile. Credit must be given to the members of staff at MFS for their politeness and their helpfulness on the telephone. Our personal thanks go to Mr Shakil Dedhar from the mortgages department of MFS. He has arranged our mortgages and remortgages for us. His advice and recommendations have saved us considerable money. We would not hesitate to recommend MFS to our friends and relatives. We wish all financial advisers were as good as MFS.”

D.A, Chartered Surveyor

“I’ve worked with Marziah for the last couple of years and found her expertise and approach excellent. She brings a straightforward, pragmatic and considered approach and has helped firmly put into context the investments that should be made. She carefully spells out the pros and cons of any given approach and has made sure that fundamentally we are happy with the way forwards. Marziah’s personal touch, approach and manner make people feel at ease, and it’s a pleasure working with her. She understands her field exceptionally well, and you can tell her experience in managing groups of advisers and with a wide range of customers is at the forefront of all her interactions. I wouldn’t hesitate to recommend Marziah onwards and am looking forwards to continue working with her.”

G.C, Head of Trading Technology

“Merchant Financial Services (UK) Ltd are without doubt the most user-friendly and professional firm of financial advisers I’ve ever used. Their expertise has been useful to me in a number of different areas, and nothing is too much trouble for them. I have no hesitation in giving my highest recommendation for their services.”

J.M, Chartered Accountant

“Over the past year my family and I have taken financial council from the advisors at Merchant Financial Services (UK) Ltd. We have all received so much help, guidance and advice from a group of highly qualified, professional and dedicated people. We were so impressed that we recommended the whole of our family consisting of 11 people to procure our financial needs, ranging from mortgages, asset management, pensions, Inheritance Tax planning, life cover and critical illness cover. We soon discovered that financial access and planning wasn’t as intimidating as it had previously been. We now use MFS as an advisory to our personal and business group. I have no hesitation in recommending MFS to any of our family, friends or business colleagues.”

I.W, Business Development Director

“I sought financial advice from Shakil at Merchant Financial Services (UK) Ltd when considering my re-mortgage options, and also purchasing life and critical illness insurance. Shakil was very honest and informative about the different levels of critical illness cover, finding me the best cover in the budget that was affordable for my circumstances. He was excellent in chasing up my paperwork and taking all the stress out of the entire process. His team also made sure that my policies were put in trust, an additional service that no other financial adviser I have dealt with has ever explained to me. I was very impressed! I have already recommended Shakil to all my friends and family.”

E.M, Managing Partner

“Whilst I have only been a client for a relatively short time, I have already been impressed with the efficient, knowledgeable and friendly service. I considered several experienced IFAs but had no hesitation in choosing Marziah Rehemtulla, Principal of Merchant Financial Services (UK) Ltd, who for me stood out from the rest – right from the outset.”

P.M, Government Adviser (HM Treasury)