Is HCH Financial Services just a mortgage broker?

If you’re asking, “Is HCH Financial Services a mortgage broker?”, the answer is yes – but it's also so much more (writes Howard Reuben, Principal, HCH Financial Services).

For over 30 years, HCH Financial Services has helped individuals, families, and property investors across the UK build smart financial strategies. While we’re well known for expertise in residential and holiday let mortgages, our support goes far beyond home loans.

Whether you’re buying your first home, investing in short-term rental properties, or planning for your family’s future, HCH Financial Services offers a complete range of financial services to help you protect what matters most.

Mortgage and finance services

Residential mortgages

HCH Financial Services provides access to a vast panel of high street banks, building societies, and specialist lenders. Whether you're buying a home, remortgaging, or raising capital for renovations, we can help you secure the most suitable deal.

Buy-to-let and holiday let mortgages

As long-standing holiday let mortgage specialists, we support clients with investment strategies and property finance tailored to short-term rental goals. Whether you manage one STR or an entire portfolio, we can guide you through the financing process.

Bridging loans

Need fast access to funds for an auction purchase or refurbishment project? Bridging loans are a powerful tool – and we can help you act quickly with short-term lending solutions.

Protection and insurance solutions

Mortgage life cover

Loans are debts – and it’s crucial they’re covered if the worst happens. We help to ensure you have the right life insurance to protect your mortgage and your loved ones.

Family life insurance

Losing a household’s primary earner can be devastating. We work with families to build life insurance strategies that ensure financial security in tough times.

Critical illness cover

A sudden health diagnosis can cause major financial disruption. Critical illness cover helps protect your income, pay medical bills, and reduce financial stress during recovery.

Life insurance trusts

Without a trust, life insurance payouts can be delayed or reduced. We help clients structure their policies correctly, ensuring fast, full payouts go to the right people.

Wage/salary cover

If illness or injury stops you from working, wage protection can cover lost income. This is essential for the self-employed, freelancers, and those without employer benefits.

Family income benefit

Instead of a lump sum payout, this type of policy provides ongoing income to loved ones – ideal for households that rely on a steady stream of funds.

Wills and estate planning

Writing a will is one of the most important steps in financial planning. We can help you structure your legacy, leave specific gifts, and ensure your wishes are clear and legally protected.

Why HCH Financial Services stands out

Yes, HCH Financial Services is a mortgage broker – but our true strength lies in our holistic approach. We combine mortgage advice with financial protection, income cover, and estate planning to give clients a complete financial roadmap.

Get in touch with HCH Financial Services (which is much more than a mortgage broker)

• Phone: 0333 1234 536

• Email: advice@hchfs.com

• Website: www.hchfs.com

Looking to finance a holiday let, secure your family’s future, or review your options? The team at HCH Financial Services is ready to help.