Here at Heritage Financial Solutions Ltd we are Independent Financial Advisers who provide holistic and transparent advice across a range of areas, such as Investment Planning, Pension Planning, Protection Planning, Mortgages and Estate Planning.

We have established a number of pages within this website to illustrate some of the services in each area in which we provide financial advice, however this is not an exhaustive list and we recommend you get in touch if you have any questions or would like to know more about our proposition.


Using our extensive experience and a variety of sophisticated planning tools, we can design a bespoke and diversified investment portfolio that meets your needs. Our independent approach to wealth management gives you access to financial solutions from across the spectrum, ensuring you have a broad and hard-working portfolio. Whether your assets are sheltered within ISAs, Onshore Bonds, Offshore Bonds, Unit Trusts, Open-Ended Investment Companies (OEICs), Pensions or other tax wrappers.

Retirement Planning

If you are about to start saving towards your retirement we will help you to establish how much you will need and by when. We will also take into account your circumstances and future aspirations.

With an understanding of how much you need to save, you can then begin to explore the most appropriate way to do it. The range of planning solutions may include different savings vehicles, such as Personal Pension Plans, Stakeholder Pension Plans, Self-Invested Personal Pension Plans (SIPPs), Occupational Schemes or other savings routes such as Individual Savings Accounts (ISAs).

Protection Planning

Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property. Whilst insuring ourselves against an undesirable event such as sickness or even death may not be a pleasant thing to think about, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked.

There are many ways in which a family can protect itself, and because of the large range of products available there is usually an appropriate policy for most circumstances, and most budgets. There are many different ways to protect your family and your standard of living when you need it most


The UK Mortgage market now has over 4,000 mortgage deals available from over 150 different lenders, it is clear that this is not a straightforward decision that should be taken lightly. Unfortunately the wrong choice could cost you thousands, whereas the right choice could save you thousands of pounds.

Heritage Wealth Management Ltd believe the best advice is independent advice. All our advisers work for you not the lenders, and can arrange mortgages, re-mortgages, buy to let mortgages and right to buy mortgages.

More importantly we can help resolve difficult cases, such as those with non-standard income and those with a bad credit history. Our aim is to get the best overall deal for you based on, among other things, rate and product flexibility as well as your current and anticipated future circumstances.

Your home may be repossessed if you don’t keep up your repayments on your mortgage.