It doesn't matter where you are building links. Links aren't the only factor that Google uses to determine relevancy. If one of your inner pages has more keyword prominence for "Financial Wise", then Google will see that this page will provide it's users' with better, more relevant information about Financial Wise, than the home page.
Let's put ourselves in the searchers shoes again... I'm looking for a Mortgage Advisor in the West Lothian area. My first choice will be in Google places because I am looking for a physical business in the area. So Google shows me the areas first.
Now lets say I am looking for actual Mortgage Advice online. If you had optimized your home page to give me advice and your website is the "advisor", then your home page would probably be showing in the pure SERP and not Google Places.
I really hope this makes sense.
P.S If you add "in" to your phrase (Mortgage Advisors in West Lothian) you will see that your home page is ranked because you used the exact keyword.