What HP Financial Services does

HP Financial Services Ltd is a privately held UK financial advisory firm founded in March 2015 and headquartered at 1A Pool Road, West Molesey, Surrey, with a secondary office in Wembley. The company is authorised and regulated by the Financial Conduct Authority (register reference 650100) and operates as a small advisory practice co-led by financial advisers Haresh Patel and Mahendra Paterl, serving individuals, families and small businesses across London, Surrey and Middlesex.

The firm delivers personalised financial planning advice across five core service lines: Protection (life assurance, critical illness, income protection and business protection), Mortgages (advisory and product selection across banks, building societies and niche lenders), Savings and Investments (advisory on pooled funds, ISAs, bonds, equities and SIPPs), Pensions (state, occupational, personal, stakeholder and SIPP advice including retirement options), and General Insurance (buildings and contents cover). It operates on a traditional professional-services model with no proprietary technology platform, no disclosed digital products, and no AI-driven tooling; client engagement is conducted face-to-face at offices, supplemented by phone, email and a content-oriented website. Revenue is generated through advisory fees and/or commissions from product providers and lenders, with no public pricing disclosure.

HP Financial Services is a bootstrapped, founder-operated firm with no external investors, parent company, subsidiaries, funding rounds, M&A activity or disclosed financial KPIs. It has not announced any acquisitions, partnerships, leadership changes or product launches across its operating history, and its geographic footprint has remained static at the two existing UK offices. The business profile is that of a long-running, narrowly scoped lifestyle advisory practice rather than a scaling financial services firm.

Name

HP Financial Services

Legal name

HP Financial Services Ltd

Website

https://hpfsuk.com

Company type

Private

Founded year

2015

Operating status

Operating

Short description

HP Financial Services Ltd is a privately held, FCA-authorised UK financial advisory firm founded in 2015 and co-led by two advisers. It delivers personalised financial planning across protection, mortgages, savings and investments, pensions, and general insurance to individuals and small businesses in London, Surrey and Middlesex.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Family Office Advisory (Single/Multi-Family) (FSAEAAAI)

Keywords

• Financial advisory services
• Mortgage advice
• Protection planning
• Pension advisory
• Savings and investments

Headquarters

HQ city

West Molesey

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Financial Advisory Services: The firm provides financial advice to individuals and businesses, earning revenue through advisory fees and/or commissions from product providers and lenders. Services span protection, mortgages, savings and investments, pensions, and general insurance products.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

HP Financial Services Ltd is a UK-based independent financial advisory firm that provides regulated advice and arranging services to individuals and small businesses. Its core offerings span five product categories — Protection, Mortgages, Savings and Investments, Pensions, and General Insurance — delivered by FCA-registered advisers serving clients across London, Surrey and Middlesex.

Product overview

HP Financial Services is a financial advisory firm offering a portfolio of interconnected financial planning services. The core offerings include Protection (life, business, and income protection), Mortgages, Savings and Investments, Pensions, and General Insurance. These services are designed to work together to help individuals and businesses achieve financial goals — protection products safeguard against unforeseen events, mortgages facilitate property purchases, savings/investments build wealth, pensions provide retirement income, and general insurance protects property. The firm provides advisory across London, Surrey, and Middlesex.

Differentiator

Problem solved

Functional benefit

Products and services

• Protection
• Mortgages
• Savings and Investments
• Pensions
• General Insurance

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves3 records

Emerging players

• Bankhall: UK provider of compliance, business, and marketing support to directly-authorised IFAs, pensions, and mortgage intermediaries. Comparable as it serves the same small UK advisory market from which HP Financial Services operates, though as a B2B support provider rather than a directly competing advisory firm.

Direct peers

• Wren Sterling: National UK financial advisory firm delivering investment, pension, mortgage, and protection advice through advisers across the UK. Comparable product set and target client to HP Financial Services, with similar multi-product advice positioning.
• Chase de Vere: National UK IFA offering financial advice on investments, pensions, mortgages, and protection to individuals and businesses. Comparable multi-product advisory model and client base, though at significantly larger scale.
• Charles Stanley: UK wealth manager providing investment management, financial planning, and retirement advice to individuals, families, and charities. Directly comparable to HP Financial Services on the multi-product advisory model but on a larger, London-centric scale.
• Openwork: UK financial advice network of around 4,000 advisers providing mortgages, protection, pensions, and investments to individuals and small businesses. Comparable as a multi-product advisory distribution model, though as a network rather than a single firm.
• The White Oak Partnership: UK independent financial advisory firm providing financial planning, investments, pensions, mortgages, and protection to individuals and SMEs. Comparable multi-product offering and target client base to HP Financial Services.
• Spire Wealth Management: UK chartered financial planning firm offering investment, pension, mortgage, and protection advice to individuals and business owners. Comparable as a multi-product regional IFA serving similar client segments.
• Tilney (Mattioli Woods): UK wealth and investment advisory firm offering financial planning, investment management, pensions, mortgages, and protection to individuals and small businesses. Closely comparable to HP Financial Services on product set and target client, though larger and nationally distributed.

Broad incumbents

• St. James's Place: UK's largest wealth manager operating a national partnership of self-employed advisers offering investment, pension, mortgage, and protection advice. Comparable as a UK multi-product financial adviser serving affluent individuals, though materially larger and operating a publicly-listed model rather than a small regional firm.
• Quilter: UK wealth manager with a national advice network providing investment, pension, and protection services through appointed representatives. Comparable as a UK retail advisory platform serving individuals on multi-product financial planning, though at significantly greater scale than HP Financial Services.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HP Financial Services