After an incredibly busy and stable first 3 quarters of 2021, the last quarter was a whirlwind of emotion amidst changing rules and rates.  
There was a lot of worry and doubt to begin with and this was compounded by the media shouting about crashes and financial ruin.  
What was going to happen? Would this be the end of the mortgage business? Would all landlords sell and move away to outer Mongolia? Would all mortgage advisers need to retrain and find new work?  
............Well, no actually, I personally haven't slowed down a bit! In fact, we are looking to hire more advisers!  
My BTL side of the business has landlords being a little more cautious and loans better planned out with possibly lower LTV, but Investment mortgages are still being arranged. My residential side however, is booming!  
With the possibility of lower house prices next year, first time buyers as well as movers are coming to get their finances in order before they go house hunting. This means we can have a proper plan of action rather than a mad dash and gives time to review all of the aspects, such as protection and monthly costs. I can see that the coming year will be one that needs to be well planned, but not one thats going to be the ruin of people. 
I have personally enjoyed this year, its challenges made me sharper and its positive rises kept me glowing. 
For 2023, I am actively growing Mortgages For Actors even further, (this being my residential side of the market), and bring this to the forefront of the Performing Arts & Entertainment industry, not just as the best option, but as the only viable one.  
Already it has a good following and a large client base who are pleased with the care, consideration and quality of their property applications, but with even more new clients, the opportunity to expand comes too. 2023 may see more advisers, new workspaces, more public appearances and lots of 'getting out there' with this brand. 
Of course, I'll still be lending my mortgage expertise to landlords across the UK and via our valued partners at Property Tribes and Property 118 as this is a huge part of our business plan and I honour relationships made here. In fact, I very much enjoy a good portfolio shake-up! 
Closing comment? Plan ahead, think about more than just today and protect your future. 
Austyn Johnson 
07500 871 209 
Share this post:


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.  
FP Ref: 1436009 / exp 25.08.2025 
Long established, recognised and national nominees and award winners for our professional mortgage services; 
Our site uses cookies. For more information, see our cookie policy. Accept cookies and close
Reject cookies Manage settings