Independent One-2-One Limited

At Independent One-2-One Limited we help you make the most of your money.


Mortgages are one of the largest single transactions in most people’s lives. Buying a property can be a stressful and time consuming experience, although nowadays the financing of a mortgage is a case of finding and selecting the most suitable mortgage, rather than simply accepting a lender’s offer.


We provide individuals and businesses with advice on practical and relevant solutions to help them to meet their financial objectives. Some of the key areas with advice on are listed below. Simply click on the relevant box to read more. Of course, we’ll be happy to discuss your own personal situation and goals with you.

Welcome to Independent One-2-One Limited

My name is Ninian Heron, I am the practice principal and director of Independent One-2-One Ltd. We are a firm of Independent Financial Advisers based throughout Scotland and Northern Ireland. We have nine advisers in total with an office within the Fife Renewables Innovation Centre.

We pride ourselves on our independent status which is the key foundation of our business model. This ensures we can advise on products across the whole marketplace. We act solely in our clients best interests at all times and are not restricted to any particular product provider, bank or insurance company. The ‘client experience’ is paramount and we aim to ensure that our clients will always regard Independent One 2 One as their first point of reference when requiring any professional financial advice.

Why Independent Financial Advice?

When making important financial decisions you should always examine as wide a range of options as possible. If you decide to utilise the services of a major High Street Bank or Building Society or alternatively an Insurance company you are probably restricting yourself to only their products. No single provider can be best at everything from protection to investments to annuities. By researching the whole market for you we can make a significant financial difference.

If you used a website on the internet to compare costs you may not buy a product which is best for you. For example, do you need access to an investment and if so how do the penalties vary from one company to another?; which fund is best for you?; is the most tax efficient investment? How does the definition of a cancer vary on one provider’s critical illness plan from another and which one is better?


It therefore makes sense to get the services of a fully qualified, experienced, professional Independent Financial Adviser or Independent Mortgage Adviser who knows how to get the best deal for you. We may also have access to exclusive preferential deals that are not available to members of the public