When I reflect on 2022, what a year it has been.  
The focus in the headlines has been the Bank of England base rate rising nine times, and along side the current cost of living crisis it has been a worrying time for many households.  
But, against those concerns, the stand out achievement for me is being able to help so many people get their finances in line and more importantly, protecting them from life's "what ifs" whether that be through life insurance, income protection or putting a Will in place. 
My focus for 2023 is to continue to help my clients with their financial planning whether that be buying their first house, building their property portfolio, reviewing any current protection policies they have in place to ensure they are fit for purpose and in Trust, and protecting their income should they lose their income due to an accident or long term sickness. 
A massive thank you to the business development managers at the lenders and insurers who are a constant support. Without them our job wouldn't be possible. 
Wishing everyone a very Merry Christmas and here is to 2023 - the year of sound financial planning 
Victoria Bennett 
07305 396811 
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VH D Consultants. Contact details here Live Chat webpage here Broker Log In / BrokerCentre here 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
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