Creating Shared Value The business sets out its strategy for delivering shared value across all stakeholder groups.
The Market Environment
An Introduction to HLPartnership
A Valued Partnership HLPartnership Prospectus
A Message from the Chief Executive Officer
Firstly, I would like to thank you for expressing your interest in HLPartnership. I believe that we would be a great cultural fit, and we would love for you to be a part of the network. You would benefit from the competence and capabilities of a network that specialises in mortgage & protection advice, a network big enough to have leverage in the market and one that maintains a personal and supportive approach.
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INTRODUCING HLPARTNERSHIP
After taking over the business in 2006, one of the
If you decide to join HLPartnership, you’ll be part of
keys to our success has been our ability to maintain
a thriving network, which has the culture, technology,
a supportive environment. Unlike other networks,
credentials and expertise to provide an environment
the Directors are only a phone call away, and
that will allow your mortgage & protection advisers
we form tight relationships with our appointed
to flourish and provide excellent customer outcomes.
representatives and their advisers. Although we
In summary, you will have:
are now a business of considerable size, we aim
• Access to a market leading mortgage
to maintain the culture which has made us so
& insurance proposition
successful and given us an edge over our corporate rivals.
• Focused learning & development support
Our approach aims to create shared value for all
and opportunities throughout the year
partners and stakeholders through relationships • Access to technology systems designed especially
and our value proposition - Whether that be our
for the needs of mortgage & protection advisers
AR’s or the customers they serve. As a business, we focus our attention on delivering excellent outcomes
• Compliance oversight & procedures to safeguard
for customers. We provide our firms with the tools,
you and your clients
technology, support, resources and the regulatory oversight necessary to provide the right advice for
• Access to professional marketing guidance, tools
the home buyer’s needs and circumstances.
& monthly client communication services
The industry has recognised HLP for its successes in 2021 by winning Mortgage Strategy’s Best Network (300 + ARs) and Legal and General’s Best National Network
• Field based compliance support and a dedicated file checker
Award for the third consecutive year. In 2022, HLP won Moneyfacts Mortgage Network of The Year Award.
This booklet will provide more detail about the network’s background and value proposition and demonstrate how HLPartnership will benefit your mortgage advisers and their customers. I hope you find it of interest, and if you have any questions, I would be happy to talk them through with you. Kind regards
Christopher Tanner Chief Executive Officer
www.hlpartnership.co.uk
Prospectus
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Company Background HLP is the largest privately-owned Appointed Representative (AR) Network for mortgage and protection advisers. HLP’s Appointed Representatives and Advisers specialise in providing high quality mortgage advice to consumers and advise on protection, general insurance, and later life lending products. The Network has 417 AR Firms and 883 Advisers. Success has been achieved over many years primarily
business.) This ensures that the business retains and
from placing the consumer at the core of everything
grows existing firms and is seen as the Network for
we do and providing surety to ARs in order that they
those high-quality firms looking for a new partner.
concentrate on serving their customers in the best possible manner.
The network understands the way that consumers
HLPartnership aims to continue to provide an
as a result is investing heavily into technology. HLP
environment where firms can grow through having
aims to provide firms with the technology capabilities
access to high quality support (Compliance, Risk
that will enable and support ARs in improving the
Management, Governance, marketing, communication,
experience for both the adviser and their customers.
training allied to technology which underpins the
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want to engage with their advisers is changing and
EXECUTIVE SUMMARY
An Award Winning Network
Company Highlights 2021
HLP Partnership has been bestowed with three key awards recently, the Mortgage Strategy Awards’ ‘Best Network for 300+ Appointed Representatives’ Award, and, for the third consecutive year in a row, Legal & General Mortgage Club’s Award for ‘Best National Network Partner’. In 2022, HLP was awarded
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Mortgage Network of the Year by Moneyfacts.
Active Advisers
424 Firms
STRATEGY
£10 billion Completions 2021
www.hlpartnership.co.uk
Prospectus
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Adviser Learning & Development At HLPartnership, we pride ourselves on giving full support and guidance to all our members. We have put together an expansive range of specialised induction and training sessions covering all facets of skills and knowledge required to run successful mortgage & protection advice firm. Whether it’s first inductions for members starting
range of training courses split across three tiers
a new firm, training new advisers or providing
to recognise the stage you are at with your business.
additional skills & refresher courses to experienced practicing advisers, there is something for everyone amongst our comprehensive schedule.
systems improvements, and upgraded user
We are passionate in helping our members develop
this we have a range of courses to give you an overview
their core skills and have dedicated courses for
of everything you need to know to get the best out
Mortgage, Family and Personal Protection as well
of the tools available to you, and regular Q&A sessions
as General Insurance. We also have a course for
with our experts to get hands-on advice when
upskilling your knowledge on the use of Trusts.
required.
Our priority is to help our members deliver Good
We’re sure you will find something of interest, please
Customer Outcomes in every scenario, so we are
take a look through the overview in this guide, and
pleased to showcase a range of protection courses
if you have any queries, please don’t hesitate to reach
designed to equip you with the skills to handle
out to our dedicated training team featured within
challenging conversations with clients on protecting
these pages.
their lifestyle should the worst happen, with a
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HLP is making significant investment in technology, experiences for our members, so in parallel with
INTRODUCING HLPARTNERSHIP
Introducing the HLP Training Team Highly experienced in the world of learning &
Alongside this, our Training Team runs a regular
development, the HLP Training Team works closely
set of core courses for new members and refresher
with key industry professionals across a number
courses for existing members across a wide variety
of different lenders and providers to structure
of topics including technology and protection,
a range of relevant, informative and specially selected
together with more specialised areas too for
upskill sessions, designed to help advisers keep
those members looking to grow knowledge
their knowledge up to date, and enabling them
in certain topics.
to become experts in their field.
Meet the Training Team Becky Baker Heading up the Training Team, Becky has over twenty years’ experiencein the industry, delivering training, business development and adviser supervision to a wide variety of businesses, from start-ups to established SME’s and everything in between. Alongside this, Becky has extensive skills in the areas of people management and Later Life Lending.
Steve Fallon HLP’s Protection Development Specialist, Steve joined the Network after a long career with Legal & General, bringing a wide variety of skills to guide and assist HLP members in all aspects of protection insurances.
Hannah Turner Technology expert Hannah has a vast array of experience in utilising a range of systems to support HLP members, including 360 Dotnet, Twenty7Tec and Solution Builder, and from her days working as part of the Partner Support Team at HLP, is well versed in assisting members with all their technological needs.
Rebecca Short Rebecca’s background in Compliance with HLP, alongside previous experience in retail banking and complaints management enables her to bring a diverse range of skills & experience to the Training team to benefit our members.
Ian Pratt Ian recently joined us bringing with him a wealth of industry experience after 30+ years working within numerous Life Assurance companies.
www.hlpartnership.co.uk
Prospectus
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Our Courses HLPartnership is built upon a foundation of solid training and knowledge sharing, equipping our members with the skills and tools to grow their expertise in the field of mortgages and protection. We run a comprehensive range of courses designed to suit those at all levels within the industry, these pages highlight some of the key courses to consider. Further details about scheduling can be found on our dedicated HLP Courses website, hlpcourses.co.uk. On here, you will find a regularly updated schedule to see what’s coming up, and your opportunity to book your place on the courses you wish to attend.
Induction Training Course (ITC) Designed for all new members to HLPartnership, the course covers all aspects of the Network, to get you up to speed with all the functions of what is required as an HLP member, how you can access the key resources available to you and give a basic grounding in Compliance and systems processes.
Administrator Induction Course Designed for new admins joining the network or new to a firm, this course covers regulation and network requirements along with financial crime and 360 systems training.
Supervision Course A face-to-face course to support businesses with the supervision of trainees into their business. The process is designed to increase trainee engagement and retention and support their journey to Competent Adviser Status. A tailored Trainee Induction Course follows once the trainee joins their new AR.
Later Life Lending (LLL) Induction Course Established for those looking for Later Life Lending permissions, following discussion with their Regional Compliance Manager. The course covers regulatory and network requirements, including expert external speakers focused on the Fact Find and the current market.
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INTRODUCING HLPARTNERSHIP
Later Life Lending (LLL) Workshop
HLP Introductory Protection Course
Held every 6 months, these workshops are designed
This course is run by Ian Pratt who was recently
to understand the wider LLL market. An opportunity
voted as Legal & General’s ‘Protection Hero’, and
to hear from providers and experts in their field
highlights the importance of keeping your clients
and open to all authorised advisers, as well as
protected to deliver a great customer outcome every
those that want to learn more about this exciting
time. The course includes an overview of each type
area of expertise.
of protection product available and expert tuition on how to approach the topic with your clients to ensure
360 Office Training
that they are offered the correct level of protection for their individual circumstances.
This session focusses on 360 Office. We demo how to use the Reports to understand MI within
Ian’s regular sessions also cover product and
the business, Performance Reports and using
terminology training, looking at ‘today’s reality’ and,
Campaign Manager to build email templates
including a full SolutionBuilder demo, plus objection
to send out to their client bank. There is the
handling, product positioning, network compliance
opportunity to ask questions as we go along
requirements and using 360 to support product sales.
and look at other requested features of 360 Office. The session is open to all and is mandatory for all new business principals.
HLP Intermediate Protection Course
Technology Q&A
are the interactive sessions that promote best
Hosted by HLP’s Protection Specialist Steve Fallon, practice in offering protection to your clients and
Our weekly Technology Q&A sessions give you the
equipping you with the skills and experience to
chance to put your questions directly to our tech
tackle the most challenging conversations.
experts at HLPartnership, and get the answers to those burning questions you’ve always had. No
In each 2-hour session, Steve shares proven ideas
question is too big or too small, too detailed or too
and tips to stimulate engaging and meaningful
broad – the experienced team members will do their
discussions with clients around protection. Steve
utmost to find the solution and help ensure you’ve
will look at the value that can be added during each
got all the functioning technology tools you need
key stage of the protection advice process, and how
to do business effectively.
you can ensure your client is put in an informed
Twenty7Tec Advanced Session – NEW for Autumn 2022
position, and that they understand the potential
Look out for this new course launching, designed
HLP Advanced Protection Course – NEW for 2023
consequences of their decisions.
to take you to the next steps with the Twenty7Tec platform. More details to follow on HLPCourses.co.uk.
Business Protection Course – NEW for 2023 Coming soon for 2023, keep an eye out on
Coming soon for 2023, this course is designed to follow on from, and build on skills developed in the Intermediate Protection Course. Keep an eye out on HLPCourses.co.uk for more updates in due course.
HLPCourses.co.uk for more updates.
www.hlpartnership.co.uk
Prospectus
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Mortgage and Protection Specific Technology There is no doubt that technology is driving performance in the mortgage market. HLP combines the latest innovations with deep industry expertise to help you to tech-enable your organisation and build an advice business that adds value to both you, and your customers. By working closely with a wide range of technology partners, the network brings together the brightest minds in the industry which allows members to embrace increased business efficiencies, which in turn delivers an enhanced customer service combined with strategies that mitigate risk.
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Customer Relationship Management
Mortgage Sourcing
Protection Sourcing
Digital Conveyancing
Later Life Sourcing
Eligibility Tools
INTRODUCING HLPARTNERSHIP
Access to the Market Our panel of 140+ Lenders & Providers Cover
As a member of HLPartnership, you will have access to over 140 lender and providers through our strong relationship with Legal & General Mortgage Club.
• Residential
Legal & General Mortgage Club is the largest and
• Prime
longest-running mortgage club in the UK. They are involved in nearly 1 in 5 of all mortgages in the UK, and
• Specialist
we are involved in nearly 1 in 3 of all intermediated
• Lifetime
mortgages. Now in its 26th year, it has completed well
• Bridging & second charge
over £668bn of mortgages and prides itself on adding
• BTL
value to its advisers by working closely with new and existing lenders to deliver great products, pricing and criteria – Making the process of finding the
• General Insurance • Protection & Life
right Mortgage simply better.
You will benefit from:
Exclusive Deals
www.hlpartnership.co.uk
Proc Fees paid on offer on remortgage business
Prospectus
Proc fees paid on exchange on purchase business
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Market Leading Mortgage and Insurance Proposition We have chosen Paymentshield and Legal & General as our provider for general insurance
Insurance
Mortages
This is an indicative visual of our proposition and may not be entirely accurate at the time of reading
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INTRODUCING HLPARTNERSHIP
Safeguarding you and your clients At HLPartnership, we do everything possible to help keep our members safe in business. We know that compliance is a core element of delivering great customer outcomes, that’s why we work with business owners who share our philosophy to mitigate risk and help maintain a strong and safe brand. We utilise an effective combination of leading-edge technology, paired with highly experienced, dedicated and approachable Compliance professionals, to work closely with you to help you maintain the necessary standards and deliver great customer outcomes.
A dedicated Regional Compliance Manager
File Checking processes to strengthen your business
We will allocate you a dedicated Regional Compliance
At HLPartnership, we focus on delivering consistently
Manager to provide you with support for your business,
excellent compliance processes that put your business
learning about the intricacies of your business to
in the safest possible position for the journey ahead.
deliver personal compliance advice and procedures
We understand the importance of consistency and
to keep you safe.
good relationships in file checking, so you have access
They’ll be available at the end of a phone, offering day-
to a dedicated file checker.
to-day support and guidance wherever and whenever
Our member-centric approach is core to our success,
required. In addition, they will carry out key functions
so we will offer you a collaborative approach to
for you, such as completing annual audits, analysing
compliance, working with your business closely
lender spreads, and a helping you mitigate risk at
to achieve good outcomes for both you and
every opportunity.
your customers.
Your dedicated Regional Compliance Manager will become an expert on the source and type of new business enquiries, your customer journey, the location and demographic of your customer base. This will enable them to give you accurate and concise guidance on the specific risks for your business and offer the bespoke solutions to ensure your business is fully protected.
www.hlpartnership.co.uk
Prospectus
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A focus on development As part of our all-encompassing Compliance support, HLPartnership are advocates for quality training and development opportunities to be available for every member and adviser in our Network. We operate a wide range of training courses, with both online sessions and a returning schedule of face-toface courses to help provide maximum support to any new or trainee advisers, as well as running refresher courses to ensure your team members are up to date with the latest industry standards. All Advisers would be invited to a range of bespoke courses, starting with the Induction Training Course, which covers a broad range of topic to familiarise your team with the HLPartnership Network, covering the people, systems, controls and technology within, to ensure that your team can drive the maximum amount of value from the benefits that the Network can offer you. Follow up courses offer a wide range of choices, for you to select the range of topics you would like your team to focus on to support the specific objectives of your business. We give you the peace of mind that your entire team has benefitted from the learning available, through overseeing the attendance and signoff of the courses, with your Regional Compliance Manager and the HLPartnership in-house training team monitoring your team and keeping you updated on their learning development progress. HLPartnership has vast experience of providing training and development to staff from firms of differing sizes and structures, and our experience of working with larger firms has demonstrated that a joined-up and bespoke approach to training presents the best way, so our team is ready with the skills, flexibility and insight to meet the training needs of your team.
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Kay Leslie Compliance Director
INTRODUCING HLPARTNERSHIP
Professional Client Communication Services HLP offers all its members free access to customer
at the right time. An effective client communication
communication services which have played a critical
strategy across the network helps our advisers build
role to HLP advisers over the last year. In 2020, over
a sustainable business by developing long term,
1,234,000 communications were distributed to existing
ongoing relationships and, importantly, repeat
clients on behalf of our appointed representative
business and referrals. This is of critical importance
firms. In 2021, this number will be closer to 2,000,000.
when consumers are going direct to their lender
The business emphasises the message of keeping
to remortgage or transfer their product. It is the
in regular contact with clients and the technology
strength of these relationships that deliver
systems that HLP employs plays a key role in being
competitive advantages and opens opportunities
able to deliver the right messages to the right people
to deliver excellent customer outcomes.
Helping you to grow your business HLP has launched the ‘Business Booster’ website. The site hosts a collection of pre approved marketing resources to help you grow your business and build your core business skills. Skills content includes business planning, marketing tools, recruiting toolkits, financial management and tips for maintaining wellbeing as a business leader.
www.hlpartnership.co.uk
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Marketing Webinars Coaching you to acquire and retain customers
Previous topics have covered:
We’re specialists in giving you the tools you need to
• Improving customer retention,
grow your business. Highly valued by our members,
• Marketing planning for financial advisers
HLPartnership run a programme of regular marketing webinars, hosted by qualified and accredited marketing professionals. The webinars are all themed around how you can develop your skills and adapt your mindset to improve your business. Backed up by a range of supporting materials and useful links for further reading, the webinars are aimed at all differing levels of expertise, from those with no marketing background, right up to providing support
• Lead generation
• Useful guidance in the world of search engine optimisation
• Smarter social media promotion Designed to help you maximise the efficiency and performance of your marketing, and presented in HLPartnership’s usual warm and supportive way, the webinars have fast become essential viewing for our members.
to experienced professionals in the industry, offering advice and guidance on maximising performance of their businesses.
Kenneth O’Callaghan Marketing Manager
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INTRODUCING HLPARTNERSHIP
Later Life Lending The ability to offer Later Life Lending helps your
We give full Compliance support and training, using
business expand the range of funding solutions
AIR sourcing and 100% case checking upon submission
you can offer your clients and give good customer
to guarantee quality of cases to protect your business
outcomes to a wider audience demographic.
and mitigate any risk for you offering Later Life Lending
As members of the Equity Release Council,
solutions to your clients.
HLPartnership are specialists in Later Life Lending,
Throughout the year we host later life lending
and with our established training programme, we
workshops which provides the opportunity to hear
can train your team to become specialists in Later Life
from lenders, others who operate in the market and
Lending and allow them to maintain competency
the staff at HLP.
in the long term.
www.hlpartnership.co.uk
Prospectus
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Additional Services Adviser Recruitment Support HLPartnership’s specialised Recruitment division was set up to help provide a valuable service to members, handling the complex world of recruiting talented new staff in a highly specialised and regulated industry. Supported by a dedicated HLP Careers recruitment website portal, any new job roles can be advertised across a wide variety of mainstream and specialist recruitment website platforms on your behalf to maximise the number of quality candidates applying for your roles. By managing the recruitment element, this reduces the cost to you in terms of advertising for roles within your business, it also provides a means to vastly widen the volume of viewers of your advert and therefore an increase in the volume of applications received, with measures to filter to find the most suitable candidates to fill your roles.
Referral Services and Ancillary Products HLP has set up several referral facilities to help you deliver positive outcomes to your customers. Consisting of Protection, Wills and Commercial/Specialist Finance, you can refer your clients to a trusted provider, earn commission and ensure that your customers receive the best possible service that you can give them.
Protection Sales, Development and Guidance HLPartnership is passionate about ensuring that consumers know and understand the risks of taking out a mortgage, and the need to ensure those risks are adequately protected, should the worst happen. To grow our support proposition for our members and deliver excellent outcomes for customers, we have recruited recognised protection specialist Steve Fallon to become HLPartnership’s in-house protection expert. A past recipient of Protection Review’s ‘Unsung Hero’ Award, Steve is nationally recognised for promoting protection across the UK, coming to HLP from Legal & General, with over 35 years of experience in the industry, helping firms to improve and develop their protection knowledge and skills to fulfil their duty as advisers to deliver good customer outcomes. 17
INTRODUCING HLPARTNERSHIP
www.hlpartnership.co.uk
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World class Loyalty What is a Net Promoter Score? The Net Promoter Score (NPS) index ranges from
18% were passive, and only 5% were detractors. The
-100 to 100 that measures members’ willingness to
percentage of promoters has increased by 10%. The
recommend HLPartnership’s services to others. NPS
additional support that the business offered members
is a proxy for gauging overall satisfaction and loyalty
over the last year has improved satisfaction levels.
to the brand.
HLP Records World Class NPS
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What is a good Net Promoter Score? Given the NPS range of -100 to +100, a “positive” score
Over the last year, member satisfaction has grown
or NPS above 0 is considered “good”, +50 is “Excellent,”
considerably. The business has managed to improve
and above 70 is considered “world class.” Based on
upon an already high NPS consistently. In January
global NPS standards, any score above 0 would be
2020, HLPartnership recorded an NPS of 51 and in
considered “good.” This simply means that the majority
July of that year, 61. Now in 2021, the NPS has jumped
of the customer base is more loyal. To put this into
to a very impressive 72. 77% of respondents were
perspective, Netflix (who is recognised as having one
‘promoters’ meaning that they would actively go
of the highest NPS of all the top brands) recorded
out of their way to promote HLPartnership to others.
a NPS of 68.
INTRODUCING HLPARTNERSHIP
What our members say
“
Since joining HLP, I now know how a network should
Having joined HLP in Jan 2018, I can honestly say
be run. Friendly, supportive, compliant, plenty of
that as a network, they are a breath of fresh air. Having
additional structured training and a robust financial
been in the industry since 1993, I have been directly
mechanism that means I have peace of mind over my
authorised with an IFA network and until 2018, I was
cashflow. This surely is the model others should adopt,
with a mortgage network for 11 years.
the right blend of humanity and technology with value to its members at its core. I can’t recommend this
however if you need advice or guidance from them,
network highly enough. If you’ve ever been let down by your network and want to feel safe and looked after, HLP is the home for you.
1st Choice 4 Mortgages
HLP allow you to run your business as you choose, be it marketing, compliance or to run past an idea, they are there to help, and that is anyone at HLP, right up to the directors.
SJ Financial Solutions
I joined in 2011 and I’ve never had a bad thing to say
I’ve worked with HLP since early 2015. I’ve used them
about HLP. They treat you as an individual and let
to launch and grow a successful business, that with
you get on with what you do best – writing business.
their support, keeps on growing. The team are great
CLS Money
– from the guys answering the phone to the MD who takes time to know me and my team by name. Great network – won’t be going anywhere else.
My Simple Mortgage
www.hlpartnership.co.uk
Prospectus
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A Case Study from a firm who recently joined us After lengthy careers in Corporate Estate Agency / Financial Services, we launched Cox & Flight back in March 2021 and it’s been an incredible learning curve over the past 7 months. Despite 70 years combined experience, we realise
We’ve set out to deliver a truly great customer
there’s still a lot more we need to get our heads around
experience, at the heart of which is recognising the
- to maximise our business’ potential! Every day is a
core requirement of protecting their loved ones and
learning day and that’s part of the fun of having your
the things that they hold most important in life.
own business. We’re delighted with the support we’ve received from
years of experience in making FS work in the Estate
the HLP and a particular shout out to Ken and James
Agency environment.
in the Marketing Team who have gone above, over and beyond our expectations in helping us with LinkedIn, media decks and so much more. Working with; Shaun, Neil, Kay, Saj, Peter and many others, we have felt such a warm welcome and are proud to be part of the HLP Family and even though we’re the ‘new kids on the block’- we expect to return their investment in us, as our business grows in the coming months and years. We officially started trading in September and in month one, we blew our business plan expectations out of the water, with a fantastic level of support from our key Introducer firm, reflecting the joint effort made in training and coaching their staff. The future looks genuinely exciting, with several introducers speaking to us about turbo-charging their FS offering and other expert advisers looking to join our business, before the year is out. 21
Our proposition is largely based around using our
We aim to win business from the established players in this sector and our aim is to disrupt in our chosen market. We’d like to think that our reputation of being honest, clear and transparent will put us in good stead to grow a successful and ethical business. Our aim is also to give back. Not only to the community and through chosen charitable causes but also to give back to the industry that has afforded us opportunities. We’ll do this by investing time, money and resources as well as our experience, to develop both existing and new talent as we go. We firmly believe that our future (and that of our partners, associates and most of all clients) looks bright and there is still so much more to learn as we go!
INTRODUCING HLPARTNERSHIP
Onboarding Onboarding with HLPartnership is designed to be as
in your team being invited to attend our HLP
smooth a transition as possible. If you decide to join us,
induction course. The course can be delivered
we will work with your team to ensure no interruption
in either face-to-face or via video conferencing
to your business. Commissions and liabilities are
format, to suit your convenience.
moved across to us, so that your clients and data (within limitations) are migrated seamlessly into
Many firms seek to join HLPartnership for the
the 360 Dotnet CRM system.
proposition of who we are as a business, and our
The process of onboarding is simple and
always encourage you to meet us and take some
straightforward. Following completion of commercial
time to speak to our existing firms, to find out why
agreements, the next element would be to run
they would recommend becoming a member
through the application stages, which culminate
of HLP, and how your business can similarly benefit.
member-centric culture of working. We would
Shaun Almond Managing Director
www.hlpartnership.co.uk
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In Summary If you were to partner with HLPartnership you would be part of a Network that:
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Understands the role that Technology will play in the future and is investing heavily in development
Is focused on the needs of Mortgage and Protection Advisers and their customers
Provides you with access to an extensive panel of lenders and providers
Provides learning and development opportunities throughout the year
Provides support and personal services to its firms and their advisers
Helps you to promote your business to increase customer retention
Provides you with the resource necessary to deliver excellent customer outcomes
Provides you with a dedicated regional compliance manager and file checker
Safeguards you and your clients
CONTACT: shaun.almond@hlpartnership.co.uk 03300 552651