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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.

Find out more about me below.

Start the conversation

Speak to me if you’re interested in preparing for tax year end, or just want advice on making your money go further.
Contact me today

An adviser’s insight

Graphic showing an alarm clock in front of a calendar and a pile of coins

Tackle tax year end with confidence

Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities.

In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.

I can go through your financial position with you, so you’re ready for tax year end on 5 April. Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review or a cashflow modelling session to understand your financial position better.

Approver Quilter Financial Services Limited. November 2025.

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.

Certificate in Long-Term Care & Later Life Planning

  • CertLTCP is a specialised qualification covering the UK long-term care planning environment, including the responsibilities of the NHS and local authorities, long term care insurance and the financial assistance options available.

Certificate in Regulated Equity Release

  • Develops specialist knowledge to understand different customer needs and to be able to advise on the different types of equity release products and the risks and benefits associated with taking out a scheme.

Testimonials

Read more about Heta’s client reviews and ratings on VouchedFor: Read 10 Client Reviews - Heta Mehta, Quilter Financial Advisers Ltd

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.

Quilter Financial Planning Network only: This financial promotion was approved by Quilter Financial Services Ltd & Quilter Financial Ltd on 01 August 2022.