Business Details
Trusted Mortgage and Protection Advisers in High Peak
Established by Heather Wharmby, HLW Financial Services delivers tailored mortgage and protection advice rooted in over 25 years of industry experience. Our approach prioritises clear communication, realistic expectations, and meticulous organisation to ensure clients feel supported throughout their property journey. We specialise in first-time buyer mortgages, remortgaging, rental property financing, and bespoke protection plans, including building and contents insurance.Our commitment to long-term relationships ensures clients receive ongoing support for evolving financial needs. With a focus on accessibility, we offer consultations via face-to-face meetings, video calls, phone, or email. Recognised for excellence by clients, our service combines expertise with a personal touch to navigate complex financial decisions confidently.
Services
Mortgage Broker Services
Mortgage Protection
Building Insurance
Contents Insurance
Landlord Insurance
Highlights and features
- We offer 25+ years of experience in financial services
- Our team provides personalised mortgage solutions
- We ensure transparent fee structures and no hidden costs
- Our service includes comprehensive protection plan reviews
- We maintain 24/7 client communication channels
What people say
Amazing service
Highly recommend
Stress-free process
Excellent communication
Expert support
Services
Mortgage Broker Services
We specialise in mortgage solutions for first-time buyers, home movers, and landlords. Our expertise ensures access to competitive rates and tailored financing options. Clients benefit from streamlined applications and ongoing support throughout their mortgage term.
Mortgage Protection
Our protection plans safeguard against income loss due to illness or death. We assess individual needs to recommend appropriate coverage levels. This ensures mortgage payments and household bills remain manageable during unforeseen circumstances.
Building Insurance
We offer building insurance covering structural damage from fire, floods, or accidents. Policies include rebuild cost coverage and protection against unexpected repair expenses. Clients receive comprehensive documentation outlining policy terms and exclusions.
Contents Insurance
Our contents insurance protects household possessions including electronics, furniture, and valuables. Policies cover theft, accidental damage, and loss incidents. Clients can customise coverage levels based on their specific asset portfolio.
Landlord Insurance
We provide tailored insurance for rental properties including building coverage, rent guarantee, and legal protection. Policies address landlord-specific risks like tenant disputes and property damage. Clients receive dedicated support for claims processing.
People
Heather Wharmby
Mortgage and Protection Adviser
With over 25 years in financial services, Heather specialises in mortgage solutions and protection plans. She prioritises client education and transparent communication, ensuring stress-free property transactions. Her approach focuses on long-term financial security for families.
Questions
What mortgage options do you offer?
We provide first-time buyer mortgages, remortgaging, rental property financing, and bespoke protection plans.
How do you tailor protection plans?
We review your financial circumstances to recommend mortgage payment protection and life insurance solutions.
Do you offer building insurance?
Yes, we provide building insurance covering structural damage and rebuild costs for residential properties.
What fees apply to mortgage advice?
Our mortgage advice fee is £499, with no hidden charges or additional costs.
