It’s all about making a


The average household in the UK owes £59,552 in 2019 and expected to rise to £86,338 by 2023-24.

This not sustainable which is why we have a way to help households generate an extra income that can not only stop the increase in indebtedness but by 2023-24 can eliminate their debt completely.

“Opportunity is missed by most people because it is dressed in overalls and looks like work.”
Thomas Edison

My Background

As a child I was always the shy retiring type that was always considerate of others, but got picked on and bullied, fast forward a few years and I took up marital arts and became a Black Belt 2nd Dan in Tae Kwon-Do. I learnt many things including the 5 tenets (fundamentals) which have set me up well in life – courtesy , integrity, perseverance, self-control and an indomitable spirit. At a young age I knew I wanted to create my own financial security so thought going into a banking career would enable me to have this. With roles from cashier, to account management, financial advisor, mortgage advisor, senior branch manager and project manager.

As I climbed the corporate ladder I realised my ladder was against the wrong wall. I never shy away from hard work but realised there gets a point were hard work does not pay in a traditional job, you need to be connected or be in the “in” crowd to progress. I left and became a self-employed mortgage broker. Whilst doing my mortgage role I was fortunate to be in the right place and the right time and was advised of a business model that rewards my efforts and does not matter who I know, does not matter my background or education, it just simply says if you do well, you will be rewarded and not just in monetary terms, but many others aspects too, from holidays to cars and even share options, That was back in 2006 and have been privileged to help thousands of others following the same path as me, a way to get financial security, to have more free time and help others at the same time

“If you aren’t making a difference in other people’s lives, you shouldn’t be in business – it’s that simple.” – Richard Branson

Spencer Thomson Time & Wealth Creator Edinburgh

Spencer Thomson

Determined, colourful, inspiring, positive and full of live, are are few words that have been used to describe Spencer. But sincere is top of the list.

My mission is to positively impact on peoples lives



Spencer Thomson

Working Hours : 09:00 – 22:00
Address : Based just outside of Edinburgh, but covers the whole of the UK
Phone : 07795 630 278