The last few weeks news headlines have been filled with the concerning prospect of energy bills increasing.  
With the increase, how will you be trying to limit your energy usage to keep the bills affordable? Switching off the heating? Cold showers? Doesn’t sound appealing. 
What about making your home more energy efficient? It could be double glazing, insulating the roof or installing solar panels.  
What ever the solution is, there will be a cost and if you haven’t got the savings behind you, how could you achieve this? 
The answer is by reviewing your mortgage.  
House prices are at an all time high which may mean you have equity in your property to take out to make some home improvements. Lenders have some fantastic rates meaning in some instances, the additional borrowing and switching to a new rate can mean your monthly mortgage payments stay around the same. 
Case Study 
My Clients had a current mortgage of £300,000 
They wanted to make best use of their equity in their current property, and release £55,000 in order to do the home improvements in order to make their home more energy efficient. 
We were able to refinance their existing mortgage and also raise the extra £55,000 too, all with a lender at less than 1% and fixed for 5 years
Book in today your financial review. Let us review your mortgage and protection outgoings to ensure you are on the best rates with the best cover. 
YOUR FIRST ACTION - send me your details and requirements, to or call me on 07305 396 811 
Victoria Bennett CeMap 
Mortgage Consultant  
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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.  
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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