hey N
hope the rental situation is looking brighter .....meanwhile responding on investments etc etc ....
first of all i would say think hard about using Tax wrappers ........not sure how old you are but also pension considerations as well.......its hard enough to make money theses days without giving it back needlessly to the government.so use these vehicles and plan for the future
also given your residential status the sooner you can secure a property the better .....so any cash you have would be better used for this based on your current lifestyle
most of the bigger firms are ok ....i use Hargreaves Lansdown for some of my investments and a couple of the other bigger outfits ...........no banks for investment though aside from First direct where we have our liquidity .....FD are excellent .....ive had a few run ins on mortgages as they are VERY rigid re terms and conditions of self employed.....but everything else is rock solid
im always looking at where half decent returns are for passive money.....dont pay for someone to lose your money ...take responsibility ........tracker funds and automated robots will do as well as overfed fund managers
IFAs dont have a clue generally (who does).......so dont believe the hype .....exams mean nothing .........just that they can pass exams ......sure a little legality on how to invest the money but any organisation will tell you what to do if you want to invest in them ....
just read and research about opportunities and apply this to you risk preferences and liquidity needs over next 5-10 years .....all about lifestyle choices
moneyweek was always a decent read for me ....a little like a comic in many areas but good overview......take a look at the tugboat approach here .....interesting but costs to join it ......
https://www.saltydoginvestor.com/
also i would say P2P lending is a half decent area to consider ...its maturing now and more and more organisations are accepting it as established funds ...but do your homework....like everything else its up to you
have fun
N