I fully understand that life does not always go according to plan, I believe that everyone should understand the value of protecting what's important.

How would you cover your mortgage payments and household bills if you fell ill and could not work? Would you want to give up holidays or favourite pastimes if you fell ill? Would you want your family to be able to do all the things that they do now if you had passed away?

I can carry out a review of your financial circumstances and make recommendations to protect you and your family, should the worst happen.

"If I had my way, I would write the word 'insure' over every door of every cottage and upon the blotting pad of every public man, because I am convinced that, for sacrifice that are conceivably small, families can be secured against catastrophes which otherwise would smash them forever." - Winston Churchill

What my past clients have said

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! - April 2021
Sarah & Robin (April 2021)
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! - March 2021
Matt & Melissa (March 2021)
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 (April 2021)
As first-time buyers, Heather went above and beyond to help me and my husband. We both say we couldn’t have managed without Heather’s advice and information. She made the whole process stress-free for us and we will 1000% be using her services in the future. Thank you once again Heather we couldn’t of done it without you
Tracy & Tony (October 2021)
I would highly recommend using HLW Financial Services. As a first-time buyer with my wife the mortgage world seemed confusing, with different rates, affordability, the application process, etc. Heather broke everything down to make it simple and easy for us to understand. When we applied for a mortgage through HLW, it was processed very quickly and Heather is always available to answer any questions and provide advice along the way in the application process.
Sam & Becky (March 2023)
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.
We offer a comprehensive range of products from across the market.
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.

The Financial Conduct Authority does not regulate some forms of Buy to Lets. 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
HLW Financial Services Ltd
30 The Crescent
New Mills
High Peak
SK22 3DB