# HWM Mortgage & Protection Specialists

HWM Mortgage & Protection Specialists is an FCA-regulated mortgage and protection broker based in Edinburgh, serving clients across the UK. The firm distinguishes itself through genuinely personalised service that extends well beyond standard mortgage sourcing.

Rather than simply matching clients with lenders, HWM provides comprehensive support throughout the entire property purchasing process. This includes reviewing home reports, organising property surveys, recommending solicitors, negotiating offers, and advising on tax implications. For landlords, they offer specialist guidance on building rental portfolios whilst balancing investment risk and growth potential.

What sets HWM apart is their whole-of-market approach, providing access to over 90 lenders and up to 12,000 products. This independence means they're never restricted by relationships with specific lenders, ensuring clients receive genuinely tailored advice rather than limited options. They serve first-time buyers, home movers, remortgaging clients, and both traditional and limited company buy-to-let investors.

Beyond mortgages, HWM arranges comprehensive protection solutions including life cover, critical illness cover, income protection, family income benefit, business protection, and buildings and contents insurance. They also handle secured loans and second-charge mortgages.

The firm's commitment to putting client needs first has earned them a 5-star Google rating. By handling the complexity and hard work of mortgage and protection arrangement, HWM allows clients to make informed decisions with confidence.