Business Details
33 Years
experience
Award-Winning Mortgage & Insurance Advisers
H D Consultants is an award-winning mortgage and life insurance advisory firm established in January 1993. With over 30 years of experience, we operate across residential mortgage broking, buy-to-let (BTL) specialist services, commercial finance, bridging finance, equity release, life insurance, and will writing. Our team of qualified professionals serves clients nationwide from offices in Colchester, Clacton, Southend-on-Sea, and Lincolnshire. Recognized as 'Best Buy To Let Mortgage Firm of the Year' in 2013 and 2020, we maintain memberships with the Society of Will Writers and the Chartered Insurance Institute.Our client-centric approach has driven growth through referrals and professional introductions, supported by partnerships with accountants, property networks, and estate agents. We prioritize tailored financial planning solutions for individuals, families, and businesses, combining market expertise with personalized service.
Services
Residential Mortgages
Buy To Let Mortgages
Life Insurance
Bridging Finance
Will Writing
Commercial Finance
Equity Release
Property Insurance
Details
- Year established: 1993
Highlights and features
- Established in 1993 with 30+ years of mortgage and insurance expertise
- Award-winning BTL mortgage specialists with national recognition
- Nationwide service from offices in Colchester, Clacton, and Lincolnshire
- FCA-regulated with memberships in professional bodies like the CII
- Client-focused approach with 98% positive client satisfaction ratings
Associations and certifications
- Financial Conduct Authority (FCA)
- Society of Will Writers
What people say
Excellent service
Professional and efficient
Knowledgeable advisers
Personalized approach
Quick responses
Services
Residential Mortgages
We provide tailored residential mortgage solutions for first-time buyers and homeowners. Our FCA-regulated advisers access 1000+ products to secure competitive rates. With 30+ years of experience, we guide clients through every step from application to completion, offering ongoing support for remortgaging and equity release options.
Buy To Let Mortgages
Specialist BTL mortgage advice for property investors and portfolio landlords. We access exclusive products with favorable terms for single properties or large portfolios. Our team handles complex cases including HMO financing and commercial buy-to-let arrangements, supported by our 2013 and 2020 national award-winning expertise.
Life Insurance
Comprehensive life cover and critical illness protection tailored to individual and family needs. We offer term life, whole-of-life, and income protection policies from major insurers. Our advisers provide impartial guidance to ensure appropriate coverage levels aligned with mortgage requirements and personal circumstances.
Bridging Finance
Fast-approval bridging loans for property purchases requiring quick completion. We arrange regulated and unregulated finance solutions for residential and commercial properties, with flexible terms from 1 month to 24 months. Our network includes specialist lenders for auction purchases and development projects.
Will Writing
Professional will writing and trust planning services conducted by Society of Will Writers members. We help clients protect assets, minimize inheritance tax, and ensure smooth estate administration. Services include simple wills, lasting powers of attorney, and complex trust arrangements for property investors.
People
Howard Reuben
Principal Adviser
CeMap and CeRER qualified with 30+ years in financial services. Founded H D Consultants in 1993 after careers in jewellery and catering. Specializes in BTL mortgages and estate planning, holding FCA authorization and CII membership.
Stephen Pears
BTL Mortgage Specialist
CeMap qualified adviser focusing on buy-to-let mortgages since 2004. Manages portfolios for professional landlords with expertise in complex financing structures. Recognized in 2020 MoneyAge awards for outstanding BTL service.
John Constant
Senior Mortgage Adviser
11 years industry experience prior to joining H D Consultants in 2012. Specializes in residential and BTL mortgages with particular focus on lender criteria analysis and portfolio management strategies.
Austyn Johnson
Actor Mortgage Specialist
CeMap qualified expert in self-employed and complex income mortgages. Heads 'Mortgages for Actors' division, providing tailored solutions for entertainment industry professionals with non-traditional income structures.
Victoria Bennett
Residential Mortgage Adviser
CeMap qualified specialist in first-time buyer mortgages and debt consolidation. Recognized for exceptional client communication and personalized service, with particular expertise in supporting clients during challenging personal circumstances.
Questions
Are you regulated by the Financial Conduct Authority?
Yes, H D Consultants is an Appointed Representative of PRIMIS Mortgage Network, which holds FCA authorization (No: 403701).
Can you help with complex mortgage applications?
Our team specializes in complex cases including self-employed income, portfolio landlords, and unique property types with 93% success rate in challenging applications.
Do you charge fees for mortgage advice?
We charge a typical £500 professional fee, though this varies based on case complexity following a full financial assessment.
What areas do you cover?
We operate from Colchester, Clacton, Southend-on-Sea, and Lincolnshire with nationwide client service capabilities across the UK.
How do you maintain client confidentiality?
We comply with GDPR and FCA data protection requirements, using encrypted systems and secure document portals for all client communications.
Can you assist with will writing services?
Our in-house will writing service, conducted by Society of Will Writers members, includes simple wills, trusts, and lasting powers of attorney.
