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Google Rating
4.9
Based on 71 reviews
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Dental and Medical Financial Services

Location: Sussex, Surrey, London

Medics Money Verified

Free initial first consultation


Review
Dental & Medical Financial Services is a specialist provider of financial advice for medical professionals. We understand the major financial decisions you make will have significant and life-changing consequences. Given its importance, seeking a professional independent financial adviser who you can trust, is worthwhile. Based just outside London, but covering the whole of the UK, our financial planners have a wealth of experience and knowledge, based on an understanding of the complex financial issues that doctors are faced with. We will work in partnership with you to meet your financial aspirations, recognising the importance of providing long-term, ongoing assistance and guidance.

Professional bodies: FCA

Services offered:

  • Estate planning
  • Investment advice
  • Life Insurance and Income protection
  • NHS Pension advice
  • Private Pension advice

Reviews


Very insightful and informative - Gave detailed information and advice with regards to the market and sensible timing with regards to applying for a mortgage

Simon

CT2 / ST2
Radiology



Darren was knowledgeable, informative and explained why he gave particular advice. He recommended next steps without pressure to take a specific course of action. We discussed steps towards a more secure financial position.

Rawya

Consultant
Medical



Excellent experience with Darren at Dental and Medical Financial Services regarding a remortgage. My finances were thoroughly reviewed and the various options available to me were discussed. Prompt, professional and friendly, I would highly recommend.

Alexa

GP - General Practitioner locum
GP



Financial planning Pensions Inheritance tax

Ijaz

Consultant
Ophthalmology



Helped me very efficiently with my successful mortgage application and life cover. This also applies to a previous application some years ago. Kept me updated and suitably reassured. I am very grateful

Stuart

Consultant
Surgery



I alway have a difficult time with obtaining heath insurance on normal terms as the insurance screening tests have always (and will always) turn up false positive results. Dental and Medical have always fought my corner and have even funded further investigations to 'clear' my health record. They have always gone above and beyond.

Henry

Consultant
Surgery



Arranged our first mortgage - really knowledgeable and helpful, knew the ins and outs of securing a mortgage even with rotational NHS contracts

Samuel

Clinical Fellow
Emergency medicine



Assistance with life insurance, income protection, critical illness cover and mortgage renewal.

Kelvin

Consultant
Surgery



Very comprehensive and welcome advice thank you

Matt

Consultant
Anaesthetics



Dental and Medical have helped me with a range of mortgage and financial advice over the years. They are very knowledgable about medical professionals' needs and have always been extremelly helpful; they are very efficent, clear in their explations and willing to answer questions. I would highly recommend them to colleagues.

Jovanka

Consultant
Psychiatry



Darren and Angela have been absolutely fantastic with advice, execution and completion of major financial changes in my life over the last three years. I feel much more secure now and have saved me substantial amounts to boot! Darren’s knowledge is incredibly impressive and reassuring. He has provided sound advice about my NHS Pension on several occasions - with the advice being given with rapid turnaround and great flexibility - he has always proven to be easily available and responsive to my often panicked requests for help - his explanations clear the opaqueness that the pension scheme is to me! Thank you so much Darren and Angela. I wholeheartedly recommend Dental & Medical Financial Services. Wish I’d found them years ago. Darren gets all things in respect to finance for busy clinicians

Paul

Consultant
Medical



What were the circumstances that caused you to look for a financial adviser? Not having enough time or the expertise of wealth management. How did Darren Scott-Guinness help you? Very comprehensive, professional and reliable advice from the beginning. Always approachable. Have you seen the outcome you were hoping for? Yes. What could they have done better? Improve the website and compete with well known wealth management platforms.

Murali

Consultant
Speciality not listed



Darren went the extra mile to find us the right mortgage. He was very helpful and supportive during a changing and difficult property chain.

Adrian

Consultant
Speciality not listed



Helpful assessments for pensions as well as general financial advice and mortgages. Wouldn't hesitate to recommend

Will

Consultant
Surgery



Spoke to Darren who was very helpful in going through my current situation and concerns and gave me some great pointers about where to focus my efforts

Shalil

GP - General Practitioner partner
GP



Darren and his team have been absolutely brilliant in providing invaluable financial advice. They are easy to speak to and always available at the other end of the line when needed. They show great professionalism when addressing your concerns and aim to provide individually structured (business or personal) recommendations.

Elizabeth

GP - General Practitioner locum
GP



Darren and his team helped re-organise cover (life, mortgage, critical illness) as well as providing us some advice regarding investments. He was highly professional, knowledgable and always explained concepts simply to allow us to under make an informed decision. He replied promptly to any enquiries we had and we would highly recommend him to any medical professional seeking financial advise.

Aadil

Consultant
Surgery



We spoke to Darren. We were initially quite apprehensive about using the service as first time buyers and unsure as to where to start. Darren was fantantistic. Took the time to answer all our questions and explain how the process works. Thank you

Ben

CT2 / ST2
Anaesthetics



First class service from Darren and the team. Incredibly attentive, personable, knowledgable and trustworthy.

Amy

GP - ST2 - 3
GP



Advice about pensions, and providing quotes for Mortgages. Advice about managing capital within the business. Recommendation for an accountant with specialist knowledge of medical profession.

Ian

Consultant
Medical



Darren and his very able team have helped for several decades re life insurance and mortgages . Clarity, sound advice with common sense all the way. Highly recommend

Rory

GP - General Practitioner locum
GP



Once again mortgage sorted thanks to hard work of Darren, Angela and the team. They understand GP income streams and how to use it to borrow at good rates.

Ian

GP - General Practitioner partner
GP



First meeting, general discussion around options to increase current cash flow.

Gurprit

Consultant
Psychiatry



Darren, Labhu and the whole team at Medical and Dental have been excellent from start to finish. They provide great advice without any sales ‘pressure’ and have helped me with life insurance, critical illness insurance and mortgage application. I would recommend them to anyone requiring advice and help with any financial matters and will definitely look to them for my own needs in the future. Very highly recommended.

Nick

Consultant
Surgery



Excellent advice for mortgages and financial planning, I will be sure to return. Darren was excellent throughout.

MP

ST3-ST6
Anaesthetics



Arranging a mortgage

Darren

GP - General Practitioner locum
Speciality not listed



I feel they are Extremely helpful! They given me enough time to explain me things. All team members put effort to find best mortgage for me.

Rita

Consultant
Anaesthetics



Darren understood my position well & was hence able to customize his advice to me, which has been very helpful

Avinash

Consultant
Paediatrics and child health



Darren and his team were absolutely fantastic at helping us re-mortgage our home, and providing life insurance. They explained the different options clearly and clarified any queries/ concerns promptly. The team helped us with our application and ensured that we secured the best deal possible, which has been invaluable. With such busy jobs and limited time, we really appreciated the time they took to help us with with the whole process, and would thoroughly recommend their service.

Julie

Consultant
Medical



Darren, Angela and the team at Dental and Medical Financial Services have helped my wife and I continually with our house purchase and re-mortgaging thereafter. They were able to provide us with sound, reliable and swift advice and support regarding our financial positions and options. No query was too little or too large for them and they are always happy to help. We cannot recommend them highly enough.

Arjun

ST3-ST6
Paediatrics and child health



better understand personal finance in a general sense and also forecasting future financials and how to plan around this

Daniel

GP - ST2 - 3
GP



Arranged my mortgage. Very familiar with the process specifically for medical professionals

Samuel Jonathan

Clinical Fellow
Emergency medicine



Darren has been thorough with explanation, helped me with my limited company dividends allocation efficiently, secured a better remortgage deal considering the impact of high interest rates, and provided suggestions which were quite useful.

Ganesh

GP - General Practitioner locum
GP



Darren Scott-Guinness was excellent Reassuring listened explained and very professional Will definitely use his services again

Jim

Consultant
Anaesthetics



Darren was extra helpful and thorough in explaining options available and clarifying everything I asked (given my lack of understanding of mortgage options). He was very professional and knowledgable and I would highly recommend him.

Maja

Consultant
Emergency medicine



Mortgage advice and arrangement Life and critical illness insurance Tax planning and lifetime allowance calculation

Matt

Consultant
Medical



Darren has been great. I have spoken to him numerous times and found him very knowledgable and up to date. He works in your best interests and is honest about what he offers. He also goes the extra step to find solutions to any problems you have. Would certainly recommend him!!!

RAKESH

GP - General Practitioner locum
GP



Dental and Medical Financial have helped me with pensions review, financial planning and investments, insurances and even mortgages for my family. No financial support is out of scope and Darren and his team try to help with every aspect of financial support that I and my family have needed over the last few years. Excellent service and engagement.

Srikanth

Consultant
Radiology



Excellent advice and competitive prices

Tom

ST3-ST6
Anaesthetics



Set up income protection

Mark

GP - General Practitioner locum
GP



Very keen and knowledgeable, in all financial aspects but also could offer advice on the property purchase process. Darren gained my trust and respect from the first time we spoke on the phone, and always managed to reassure and guide us.

Patty

Consultant
Anaesthetics



Really outstanding support and advice.

Louise

Consultant
Paediatrics and child health



Darren and the team are always helpful and give sound and practical advice. Highly recommended.

Will

Consultant
Surgery



Critical illness cover Life insurance Mortgage

Nick

Consultant
Surgery



Provided me comprehensive advice about pensions and personal finances. Also assisted with mortgage and investments. Very efficient and knowledgable team

Sameer

Consultant
Medical



Pension planning

Sandip

Consultant
Emergency medicine



Comprehensive advice around pension tax issues. Well considered options and a thorough review of Life and Critical illness cover facilitating retire and return with extended and enhanced benefits.

Ian

Consultant
Surgery



Provided assistance with new mortgage product, advice on pensions and assistance with setting up appropriate life insurance / sickness products. Highly experienced, very helpful and extremely competitive. I will definitely continue to work with Darren and his team at Dental & Medical.

Kelvin

Consultant
Surgery



Darren and his team have helped me with my total financial package for 20 years, guiding me throughout the various financial challenges of my Hospital Consultant career. His advice to me has ranged from life insurance to mortgage, pension planning (and now execution of those plans) as wells day to day advice over my financial queries such as annual allowance pension contribution charge calculation and planning. His advice is always timely, well thought out, delivered with care and with my individual factors taken into account. He always plans for maximum tax efficiency and forward planning, and is invariably bang up to date with the rapidly changing tax environment. I have recommended him to many colleagues over the years (he came through personal recommendation to me) and would not hesitate to do the same for a Medical Practitioner of any description at any stage of their career.

Henry

Consultant
Surgery



Gave honest advice and did not charge for this

Simon

CT2 / ST2
Radiology



Darren was very helpful in finding me income protection insurance and life insurance. I found the forms difficult to navigate but Darren made time to talk me through them and to help me find a scheme that suited my needs. It is piece of mind now that it's all set up.

Sarah

CT1 / ST1
Ophthalmology



Financial advisor for my mortgage and broker for the mortgage insurance, life insurance and critical illness . Excellent service overall, made the whole process very easy for us. The team was very approachable and friendly but at the same time kept high professional standards. Highly recommended.

Lampros

Clinical Fellow
Surgery



Darren and his team have been fantastic and helped me with a variety of things including mortgages, life and critical illness insurance, financial planning and pension tax calculation. He is professional, approachable and always keen to help. I wholeheartedly recommend his services.

brijesh

Consultant
Surgery



Darren spent a long time going through our various queries and suggesting the best plan going forward for us as a family. Thoroughly recommend his services

Asha

GP - General Practitioner partner
GP



They have helped with anything financial - mortgages, pensions, financial advice, planning for the future - they are always there. The team is incredible helpful and supportive. I have used other financial advisors, but since my now husband has introduced me to this team - I have not looked back. They are brilliant!

Natasha

Consultant
Medical



good pension advice

kashif

Consultant
Radiology



Excellent service- Darren arranged a mortgage and income protection. Great communication and an overall easy experience.

Rishi

GP - General Practitioner locum
GP



Excellent financial guidance in all aspects -mortgages pensions and regular advice

Khalid

Consultant
Surgery



Dental and Medical Financial Services arranged our mortgage for our home move, as well as life and critical illness insurance. The service was fantastic, with competitive quotes sourced and the communication and responsiveness throughout the process was great which took a lot of the stress away. Would highly recommend to anyone considering using their services

Rachel

ST3-ST6
Medical



Acquire a mortgage Efficient and professional service

Hannah

ST3-ST6
Paediatrics and child health



Darren was very exhaustive and gave me very valuable advice. Definitely recommend

Daniela

Consultant
Medical



Income protection and a loan for house works

Jonathan

Consultant
Surgery



They have been very attentive, deliberate, thorough and effective in helping me secure a better financial future and I continue to seek advise on pension and Pension and investments.

Adwoa

GP - General Practitioner salaried
GP



Professional, impartial advice catered to my needs. Highly recommend!!

George

GP - General Practitioner locum
GP



Good mortgage advice

Kashif

Consultant
Radiology



Darren has been well informed, knows the complexities of work (I work in various roles as a GP) and offered tailor made advice which instantly appeared to make a lot more financial sense to my situation, so much so, that I'm planning to ditch my existing accounting firm (one of the leading medical accounting firms) for their ill informed advice given hitherto. Looking forward to work with Darren and his team looking to maximise on tax savings & limited company opportunities.

Ganesh

GP - General Practitioner locum
GP



Darren and his team at Dental and Medical Financial Services provided us with an excellent service. During a tumultuous time for the mortgage market, they secured us one of the few remaining mortgages with an affordable interest rate for our house purchase. This wouldn't have been possible without their knowledge of the available options and prompt action. They have also helped us find life insurance and critical illness cover at a reasonable cost. I would recommend their services to colleagues.

Justin

Consultant
Psychiatry



Absolutely wonderful financial advice. Darren was lovely and gave much needed financial insight for my current situation!

Kirsty

GP - General Practitioner salaried
GP



Approaching CCT and after listening to the medics money podcast, I realised I needed to get my finances in order and obtain life insurance and income protection before I was to become unwell. Darren was fantastic. Responsive and created a policy that really meets my needs at presented to be amended when my needs change. Wish I had done it years ago. So easy and not half as much as I was expecting in terms of cost.

Kim

GP - ST2 - 3
GP



My husband and I (Consultant and salaried GP) found Darren extremely useful. He gave us a good insight into our financial protection options, NHS pension enquiries and advised on the pros and cons of limited company vs working as a sole trader based on my individual circumstances.Darren addressed all our queries and It was evident he had in-depth knowledge and vast experience in providing financial advise to medical professionals. I would definitely recommend.

Tosin

GP - General Practitioner salaried
GP



Darren and his team have consolidated all my finances on one platform and have helped me plan my financial future. Darren has always been very helpful and approachable. He and his team have been excellent; I have and will continue to recommend him to colleagues and friends.

Srikanth

Consultant
Radiology



Good advice provided on operating as sole trader or LTD company, tax advice and NHS pension advice

Kulvinder

GP - General Practitioner locum
GP



Darren and his team at Dental & Medical provided valuable insights and tailored recommendations for life insurance, demonstrating a deep understanding of my requirements. Their professionalism and clear communication made the process seamless, earning my trust in navigating the complexities of life insurance planning as well as income protection. In addition I will remain with them now for the foreseeable future for any further financial advice.

Gursev

GP - General Practitioner locum
GP



The service we received from Darren and the team was superb right from the start. Darren and Angela were both incredibly professional, attentive, helpful, reliable and responsive at all times. No question was too small. Both Darren and Angela were incredibly happy to communicate via both email and telephone. Darren was able to help us and provide good advice and a good plan (considering the sometimes 'complicated' pay of doctors both in regular work and locum work) regarding mortgage and different aspects of financial cover as we wanted (for my wife and I combined). Darren listened to our needs and views at all times. I would not hesitate to recommend Darren and his team to others.

Arjun

ST3-ST6
Paediatrics and child health



Gave really good advice regarding potential tax issues with the NHS pension. Darren listened very well. Was able to clearly take me through pros and cons of finance options regarding my buy in at my new practice. Will definitely use again.

Nick

GP - General Practitioner partner
GP



We wish to thank for you for your amazing service – everything happened much more quickly than we ever imagined possible. We expect this to be our last remortgage – over the years your company’s service to us has been head shoulders above anything else we have experienced with other companies – you should all be very proud of what you built together.

Donald

Consultant
Surgery



Can't speak highly enough of Darren and his team (Labhu in particular!). Super efficient and professional, just a pleasure to deal with and nothing was too much trouble - guided us and sorted our first mortgage out in a volatile market with interest rates rising quickly. DMFS were equally supportive when it came to arranging our life and critical illness cover. Thanks again!

Luke

ST3-ST6
Medical



Darren is superb Always has the time to explain all his suggestions

Lukas

ST3-ST6
Medical



Re-mortgaging in February 2023 - Darren, Angela and Labhu have done a wonderful job helping us get the best possible rate - bespoke to our needs - in good time for the end of our previous arrangement - and in a testing financial environment. Stress-relieving, honest, up-front, thorough, and highly efficient - I cannot praise them enough.

Nick

Consultant
Medical



In these times of unchartered waters it is so reassuring to have a financial skipper like Darren at the helm; whether you are a small river boat or an ocean going liner. He has a complete grasp of the individuals needs and has delivered consistently for me and for my family. I strongly recommend him as an excellent financial advisor.

Tom

Consultant
Medical



With commercial and residential property mortgage. With life insurance.

Branko

GP - General Practitioner locum
GP



Darren @ Dental & Medical has provided me with excellent advice from the start. He is hugely knowledgeable, endlessly patient and the consummate professional. The service from his company has been absolutely outstanding and I cannot recommend him highly enough.

Kelvin

Consultant
Surgery



Darren and his team have been absolutely brilliant in providing invaluable financial advice. They are easy to speak to and always available at the other end of the line when needed. They show great professionalism when addressing your concerns and aim to provide individually structured (business or personal) recommendations.

Elizabeth

GP - General Practitioner locum
GP



Pension Mortgage Investments Financial Planning

Barbara

GP - General Practitioner partner
GP



Darren and his team Angela and Labhu have been fantastic and have helped us plan every aspect of our finances. They have helped plan our financial roadmap, investment strategy, pension planning, arranging commercial mortgages and even lending a hand with conveyancing. Truly an exemplary service and team that I have and will continue to recommend to all friends and colleagues.

Srikanth

Consultant
Radiology



Incredibly clear and logical. Tailored to my need. Gave me plenty of time. Used a language that was understandable

Ilenia

Consultant
Psychiatry



Provided sound and extremely helpful and practical advice regarding investments, as well as how to make best use of a limited company.

Matt

GP - General Practitioner locum
GP



Helped me choose the right Income Protection, Life Insurance and Critical Illness Cover plans. Darren (IFA) was very knowledgable and professional whilst talking me through my needs and options on the phone. Angel (PA) was very efficient, friendly and accessible. Any queries I have were answered swiftly and they worked to help me find policies that suited me. Overall a very painless process.

Naomi

GP - General Practitioner salaried
GP



Great intro into my finances so far and really good explanation of what’s important and what’s needed.

Sam

ST3-ST6
Speciality not listed



Darren and his team provide a fantastic service. He is very knowledgeable, professional and accessible. I received very helpful advice on life insurance and mortgages and have so far gone on to secure a life insurance deal. I would highly recommend Darren and his team.

Hamish

GP - ST1
GP



Excellent communication and flexible with times to chat. Great service from Darren and Labhu. Thank you.

Zara

GP - General Practitioner partner
GP



Absolutely fantastic and efficient at sorting out my mortgage finding the right product and very timely. The easiest mortgage process I have ever gone through Darren and Angela were really helpful and understanding

Mo

GP - General Practitioner locum
GP



Helped me arrange a new income protection, critical illness, and life insurance policy. The whole team were incredibly professional, gave excellent advice, and helped me rectify mistakes I had made in the original application process.

Mark

GP - General Practitioner locum
GP



Providing pension advice and future life assurance and financial planning Darren was extremely helpful and has helped me take a huge decision. The team at medifintech was are also excellent

Sandip

Consultant
Emergency medicine



To get life insurance and income protection

Cissy

CT1 / ST1
Psychiatry