A generation of people experienced their first Bank of England Base Rate increases, and high inflation, and you could be forgiven for thinking that the world has ended if you believe everything you read about the above, but life continues and people react and adapt.  
I am still busy and expect this to be the case in 2023 with existing and new clients. Lots of calls and appointments already arranged, and a large number of mortgage and insurance applications to progress.  
2022 - has been challenging but enjoyable, assisting people achieve their property goals 
2023 - focus will remain on assisting people achieve their property goals by providing a high standard of compliant, financial and protection advice 
In summary people should seek professional advice for their mortgage finance and debt and lifestyle protection. 
There have been many lenders and their respective Business Development Managers that have provided excellent support to me and my clients, so my thanks to them. 
Best Wishes for 2023 and I look forward to hearing from existing and new clients 
Stephen Pears 
07919 564 177 
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H 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; 
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