About Me

Mortgages
Protection
Insurance
Glossary
About HLW Financial Services Ltd
Heather Wharmby

Mortgage & Protection Adviser

Email me at: heather@hlwfs.co.uk
Or call me on 07970 978762
Heather has been a mortgage adviser since 1998, starting at a large building society, then as a whole of market adviser before founding HLW Financ..... Read More

What my past clients have said

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!
Tom & Milly
Thank you so much Heather @ HLW Financial Services Ltd can't recommend you enough. Your company has been amazing, organised and professional throughout. Heather's friendly and down to earth approach, listening and explaining the simplest of questions, has made the whole process of remortgaging our house smooth and hassle free. The whole process took just over a month and finally our dream house renovations are a reality thank you Heather!
Sarah & Robin
We used Heather’s services to renew our mortgage and she also sorted some life cover and income protection for us. We can’t recommend her enough, nothing was too much trouble for her and she was very helpful with all our many questions. She was really accommodating with evening phone calls with really helped fit in with our busy lifestyle. We will be recommending her services to all our friends and family, and anyone else for that matter!
Matt & Melissa
Well I don’t know where to begin. Heather has been our adviser for the last four years and has successfully moved us into two homes. Our most recent home was a newbuild and it was a year process. She explained it all for us and even calmed me down on a number of occasions when I was panicking like a headless chicken. We can’t thank her enough and I officially ban her from ever leaving as I don’t know what I would do without her. Thank you for being so incredible!
Maria & Dan
Why choose HLW Financial Services Ltd?
My clients choose to trust me because of the way I conduct my business.
I provide our services to suit you, whether face to face, video call telephone or email.
I search the whole market to ensure that I recommend the right mortgage for you.
My aim is to build a relationship that lasts a lifetime.
With over 25 years experience in financial services, you know you are in safe hands.
Think carefully before securing other debts against your home. Your home (or property) may be repossessed if you do not keep up repayments on your mortgage.

BTLs are not currently regulated by the Financial Conduct Authority. There will be a fee for mortgage advice, we estimate the fee to be £499, we will also be paid commission from the Lender.

HLW Financial Services Ltd Registered address 30 The Crescent, New Mills, High Peak, SK22 3DB Company Registration Number 9074379.

HLW Financial Services Ltd is an appointed representative of HL Partnership Ltd which is authorised and regulated by the Financial Conduct Authority.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK

Telephone me
07970 978 762
Email me
HLW Financial Services Ltd
30 The Crescent
New Mills
High Peak
SK22 3DB