Business Details
14 Years
experience
Expert Mortgage & Protection Advice in New Mills
Established in 2012, HLW Financial Services has built a reputation for delivering expert mortgage and protection advice with a personal touch. Our founder, Heather Wharmby, brings over 25 years of experience in financial services to provide tailored solutions for first-time buyers, homeowners, landlords, and investors. We prioritise clear communication, realistic expectations, and meticulous organisation to ensure clients feel supported throughout their property journey. Our comprehensive approach extends beyond mortgages to include protection planning and insurance solutions, safeguarding clients' financial futures.Recognised for our client-centric ethos, we maintain long-term relationships by consistently delivering transparent advice and exceptional service. As an appointed representative of HL Partnership Limited, we operate under the rigorous standards of the Financial Conduct Authority, ensuring compliance and trust. Our testimonials reflect our commitment to transforming complex financial processes into stress-free experiences, evidenced by glowing recommendations from satisfied clients across the UK.
Services
Mortgages
Protection
Insurance
Landlords & Commercial Property
Mortgage Protection
Details
- Year established: 2012
Highlights and features
- We offer 25+ years of experience in financial services
- Our team provides personalised mortgage solutions for all buyer types
- We maintain transparent communication with clients and professionals
- We build long-term relationships focused on future financial needs
- Our services include comprehensive protection and insurance planning
Associations and certifications
- Financial Conduct Authority
What people say
In safe hands
Amazing during our home move
Held my hand
Smoothed out any bumps
Highly recommend
Services
Mortgages
We provide tailored mortgage solutions for first-time buyers, homeowners, and investors. Our services include remortgaging, buy-to-let financing, and property investment advice. With access to a comprehensive range of products, we help clients secure optimal deals while ensuring affordability and long-term financial stability.
Protection
Our protection planning safeguards clients against life's uncertainties. We offer tailored solutions to cover mortgage payments, critical illnesses, and family financial security. By reviewing individual circumstances, we recommend policies that maintain lifestyle continuity during unexpected events, providing peace of mind for clients and their loved ones.
Insurance
We provide building and contents insurance solutions for residential and commercial properties. Our policies protect against structural damage, theft, and loss of possessions. Landlords benefit from additional coverage options including rent guarantee and legal protection, ensuring comprehensive risk management for property investments.
Landlords & Commercial Property
Specialised insurance and mortgage solutions for property investors. Our services include commercial property financing, landlord insurance with optional add-ons like accidental damage cover, and tailored risk management strategies. We help investors protect and grow their property portfolios through expert guidance and competitive market access.
Mortgage Protection
We offer mortgage payment protection plans that cover repayments during illness or unemployment. Our solutions ensure clients maintain homeownership during financial hardships. By assessing individual needs, we recommend policies that provide income replacement and debt management support, reducing stress during challenging times.
People
Heather Wharmby
Mortgage & Protection Adviser
With over 25 years in financial services, Heather specialises in mortgage and protection advice. She focuses on clear communication, realistic expectations, and meticulous organisation to deliver stress-free property journeys for clients across the UK.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let financing, and commercial property solutions tailored to individual financial circumstances.
Do you help with mortgage protection plans?
Yes, we offer mortgage payment protection policies covering illness, unemployment, or critical illness to ensure continued repayments during financial hardship.
What insurance products are available?
We provide building and contents insurance for residential properties, plus landlord-specific policies covering rent guarantee, legal issues, and property damage.
Are your services available locally?
Based in New Mills, we serve clients across High Peak and surrounding areas with flexible communication options including face-to-face meetings and virtual consultations.
How do you charge for mortgage advice?
Our mortgage advice fee is £499, with additional commission received from lenders as disclosed in our transparent pricing policy.
What qualifications do you hold?
We operate under HL Partnership Limited's Financial Conduct Authority authorisation, maintaining industry standards through continuous professional development and compliance.
Reviews (7)
Natasha Durand
Nov 25, 2021
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Heather was highly recommended to me and I can honestly say that I feel like I found my Fairy God Mother. Heather found me a really great mortgage deal and explained the whole process thoroughly whilst helping me with my application. I felt like I hardly had to do anything. Always willing to go the extra mile, she has always been exceptionally quick to answer any query I've had along the way. A very professional service from start to finish, I will definitely be using Heather's services again in the Future
Kate Thorpe
Oct 17, 2021
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Absolutely can't recommend Heather highly enough to help you with any mortgage concerns you have, she is brilliant, so reassuring, warm and friendly, yet so knowledgeable and professional, you know you're in safe hands. Thank you so much for your help Heather
Kirsty Hall
Sep 24, 2021
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Heather is so easy to talk to, very friendly and 100% professional. Heather's response time was amazing (even in the middle of her holiday). 100% recommended
Nichola Bright
Sep 21, 2021
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Heather was excellent and secured us a really good mortgage deal which meant that we could buy our forever home. Nothing was too much trouble. Thank you Heather!
Julie Matthews
Jun 18, 2021
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Heather is knowledgeable, experienced and really good at her job. She also offered great support when it was needed. She gave a fantastic service, I can't recommend her highly enough. Thank you Heather!
Tom Townley
Mar 15, 2021
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Helpful, friendly, professional and always on hand for advice. Heather has guided us through two house moves, making the whole process so much clearer and easier! 6 stars out of 5!
Cath Hope
Feb 24, 2021
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Heather was great and offered us a great range of different options for our remortgage and found us a great deal. She also worked closely with the conveyancer to ensure the deadlines were adhered to. Would not hesitate to recommend her services
