Advice Process and Fees | Heavens Harvest Mortgages & Protection 

Advice process

How our advice works

This page explains the scope of our advice, how suitability is assessed, any fees or charges, and how your data is used before you engage with us.

Information on this website is general and does not constitute personal advice.

Scope of advice

As an appointed representative, Heavens Harvest Ltd can provide regulated mortgage advice and arrange mortgages and protection insurance (non-investment insurance contracts).

Heavens Harvest Mortgages & Protection is a trading name of Heavens Harvest Ltd. Heavens Harvest Ltd is an appointed representative of Arkke Capital Ltd [FCA - 952414], which is authorised and regulated by the Financial Conduct Authority. Heavens Harvest Ltd [FCA-1034517] is registered in England & Wales under company number 15807769. You can verify our details on the FCA Register.

FCA FRN: 1034517. Principal firm: Arkke Capital Ltd (FCA 952414).

How advice is delivered

We provide advice through scheduled appointments by phone, video, or in person (where available). We will agree the most appropriate channel with you before we proceed.

  • Initial consultation to understand your goals and timing.
  • Fact-find and document review to build a complete picture.
  • Recommendation and explanation of suitable options.
  • Application support and ongoing updates.

How suitability is assessed

We assess suitability by considering your needs, objectives, affordability, and lender criteria. We may ask for documents to confirm affordability and eligibility.

  • Your objectives, priorities, and circumstances.
  • Affordability, income stability, and outgoings.
  • Property details and intended use (for example residential or buy to let).
  • Product features, term, and repayment method.

Fees and charges

We offer a free initial consultation.

For mortgage advice and arranging services, we may charge a fee depending on the complexity of your case and lender requirements. Any fee, where it applies, will be agreed and confirmed in writing before you proceed. We will also explain when fees are payable, whether they are refundable, and how we are paid, including any commission from a lender or insurer.

What client data is collected and how it is used

We collect contact details and enquiry information so we can respond and provide advice, along with financial and property details needed to assess suitability. We also collect limited technical data for security and to prevent abuse. See our privacy policy for full details.