Heta Mehta
Financial Planning Consultant DipFA, CeMAP in Hemel Hempstead
A little bit about Heta
I have Level 4 Diploma for Financial Advisers (DipFA) and Certificate in Mortgage Advice and Practice (CeMAP) qualification from London Institute of Banking and Finance (LIBF). I am authorised and registered to give financial advice by the Financial Conduct Authority (FCA). You can find my authorisation details. My aim is to make a real impact in the financial lives of my customers, while also providing a more human, personal approach to their money.
Start the conversation
Speak to me if you want to access potentially better interest rates for your cash savings and enjoy an extra financial boost.
Contact me today
An adviser’s insight
Aim to maximise your cash savings
It might shock you to know that 28% of people hold their cash in interest-free savings accounts(1), receiving no return on their hard-earned money. Because under current rules a basic rate taxpayer can earn up to £1,000 in interest from their savings without paying tax, these people could be missing out on a significant financial boost that they could be enjoying.
This is even more relevant when you consider that the average person typically holds up to 25% of their available money on cash deposit(2). So, by reviewing your cash and tackling any ‘lazy money’, you’ll be making a great start at getting your finances in shape and achieving longer-term financial security.
If your money isn’t working as hard as it could, I can help. By making it easy to access potentially better interest rates, I can help you to aim to maximise your cash savings – giving you more money to spend on the things you enjoy or helping you grow your money towards a longer-term goal.
1 Building Societies Association Sept 2024
2 The Lang Cat: Cash as an asset class survey June 2024
Cash on deposit advice is not regulated by the Financial Conduct Authority.
Services
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
General Insurance
Home contents insurance, buildings insurance.
Mortgage
First time buyers, remortgages, buy-to-let.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Dental & Medical
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
Qualifications
Diploma for Financial Advisers
- The Diploma for Financial Advisers from the London Institute of Banking and Finance is the primary award for financial planners that develops core technical understanding across a broad range of key financial planning areas.
Certificate in Mortgage Advice and Practice - Level 3
- CeMAP is the benchmark qualification for individuals aspiring to become mortgage advisers. It gives the skills, knowledge and certifications to deliver mortgage advice and practice.
Testimonials
N. Ingoe
I required a financial adviser to help with my general money situation and to access my 30 year pension and was recommended to Heta.
Heta visited me in my home and was quickly able to grasp my situation and assured me that she would get things moving quickly.
This she did and, throughout, I have found Heta to be very reliable, responding to my emails quickly and a great person to have on my side.
R. Harbourne
From our first conversation she put me at ease and helped me understand my financial situation better and feel more optimistic about it.
Heta is an excellent communicator and kept me informed every step of the way. She acted quickly when any difficulties arose and resolved them completely.
She helped me clarify my goals and got me where I needed to be.
I have already referred a colleague to her and would highly recommend her services to anyone.
More about me
I have more than 20 years’ experience in the financial services industry. My career started as mortgage administrator in an estate agency and have also worked at Nationwide Building Society as a personal banking manager.
I’m married (my husband is an electrical engineer) with one son and enjoy spending time with my family. I spend most of my summer evenings and weekends watching my son play cricket.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
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.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.