Secure financial backing

To deliver our services, and to ensure we achieve our future business ambitions, free2 has formal commercial relationships with stable, reputable financial institutions.​

Doing the right thing is at the core of all we do, and our secure financial backing enables us to act as responsible credit broker for a high-quality unsecured loan for the over 55s at competitive rates. It also enables us to offer a comprehensive specialist Equity Release Advice Service, which scours the UK market for the most suitable deals to meet your circumstances.

Our relationships are instrumental

Instrumental relationships

For the Over 55s Unsecured Loan, free2 is an Appointed Representative of RS Consumer Finance (RSCF), the consumer lending arm of RoundShield Partners LLP. RSCF is authorised and regulated by the Financial Conduct Authority (FCA). free2 is a credit broker, not a lender, and all loans are provided by RS Consumer Finance Limited. ​

To offer the Equity Release Advice Service and Pensions Advice Service, free2 has partnered with the AIR Group who will introduce customers to one of their members. These members will be financial advisers, who are authorised and regulated by the FCA to provide financial advice to UK-based individuals.

free2 also works very closely with our key funding provider NatWest Markets, the investment banking arm of a major High Street bank.

Our structure

Free2 Limited (trading as free2) is a private limited company, registered in England and Wales with company number 10534557. Its registered office is at 1 King William Street, London EC4N 7AF.​

With our secure financial backing and our excellent business relationships, we have significant aspirations for the long term and our partners are vital to helping us realise these goals.

Find out how free2 delivers on our responsible approach to delivering financial services.

Our structure

RS Consumer Finance

Contact RS Consumer Finance: 020 3773 4625


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Sound financials

RS Consumer Finance (RSCF) is wholly owned by RoundShield Partners LLP, an independent investment firm that manages approximately $2.5 billion of capital on behalf of its valued clients. RoundShield LLP’s client base includes pension funds, endowments, foundations and other institutional investors.

International footprint

Headquartered in Jersey, with offices in London, Paris, Madrid, Luxembourg and Geneva, RoundShield LLP is a significant specialist investor in European asset-backed special opportunities.

RSCF – aligned to free2’s values

RSCF is a specialist lender in a number of markets. For the Over 55s Unsecured Loan, free2 is contracted to provide all loan management services on behalf of RS Consumer Finance (which is wholly owned by RoundShield LLP). You can be assured that you will receive the highest standard of customer service at all times.

The AIR Group

A welcome partner for free2

The AIR Group do not themselves provide any advice, we have chosen them as ideal partners as they provide multi-award-winning services to a National list of FCA (Financial Conduct Authority) regulated specialist advisers who will provide you with advice in respect of products provided by a selection of leading providers.

Comprehensive service

All of the national advisers will have been put through a fully accredited (London Institute of Banking & Finance) training academy to ensure the advice process looks at all appropriate considerations before making any recommendation.