When is a mortgage salesperson not a mortgage adviser? 
 
As you know, a mortgage is a debt, a financial commitment taken over a number of years and you need to ensure that it is paid every month to keep the roof over your head. 
 
Therefore, it is hugely important that you make the right decision when choosing who to go to for mortgage advice. 
 
You could go directly to the mortgage salespeople at your bank, but there are literally thousands of mortgage products, and hundreds of lenders, to choose from – so how do you know what you are eligible for or what is the best financial option for you?  
 
A bank’s mortgage salesperson is not an independent adviser, they have their employers interest at heart, they don’t offer unbiased financial planning.  
 
This is why you need to speak to a broker at H D Consultants. We support you with proper mortgage financial planning. 
 
Firstly, we are fully qualified and regulated. We have taken a professional qualification (CeMap) and we work under strict regulation from the Financial Conduct Authority. We also complete regular Continued Professional Development through tests, forums, webinars to ensure our knowledge is up to date and we are constantly being made aware of any changes to regulation, the market, lenders and their products. And because we are not tied to one lender, so we are regularly updated with the numerous products and services from a huge range of banks, building societies, specialist lenders and a myriad of other finance houses including for bridging finance, second charges, secured loans, further advances and product switches. 
 
We work for you, not any one lender. At our initial meeting we will have a fact find conversation which will ascertain everything from your credit history, personal details, budget and protection needs. From there we tailor our advice to what you personally need and what mortgage and insurance would be most appropriate for you….. from the market. This is a bespoke advised service just for you – it is not a one mortgage fits all sales process. 
 
At H D Consultants, we have access to exclusive products which you will not be able to get on the high street. We also provide you with access to lenders who only work with brokers and will not deal directly with the general public. 
 
When do we work? Well, we don’t work 9am – 5pm. If you need evening or weekend appointments out Team of Advisers can be flexible around you and your commitments. 
 
H D Consultants doesn’t just deal with the mortgage application for you. We will be with you throughout the whole process, liaising with conveyancers, lenders and estate agents. We have a fantastic team of experienced administrators who liaise with conveyancers and lenders daily to help speed along completion. Testimonials (published on our website) from our clients say how our Company has gone over and above for our clients through the aftercare they receive. 
 
So, we know the market, we have a team of experienced brokers and some of us are landlords too, here to help and to guide you through the process whether you are a first time buyer or an experienced portfolio landlord. 
 
Finally we want to help you to protect your debt! We will offer advice on what insurance we would recommend to protect you and keep the roof over your head should anything happen to you. This could be in the form of life and critical illness cover, income protection, family income benefit, landlord insurance, buildings and contents insurance. You know you need it, after all the reason most people give us for not arranging it is that they "haven't got around to it" rather than not needing it. And as a bonus, we also offer a free Will service and ongoing regular financial reviews so you know your insurance is fit for purpose throughout your lifetime. 
 
Let us help you make the next step – call the Team of Advisers today to enquire on what we can do for your mortgage needs. We are here to help and advise, not to sell you a product from the shelf. 
 
Author 
Victoria Bennett (CV link) 
Financial Consultant 
07305 396 811 
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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 an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which 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; 
H D Consultants chosen Charity of the Year 2022 Essex and Herts Air Ambulance is a truly deserving, life saving team of people who rely on donations and (non-government) funded financial assistance. Join us in supporting EHAAT and helping them to continue to provide their service. CLICK HERE FOR OUR JUST-GIVING CHARITY OF THE YEAR PAGE (By clicking any of the 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 sites) 
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