The new normal is ....... very different for many and yet no change for some. 
Many people already worked, studied and ran businesses from home, lots of people have now had this thrust upon them (more or less overnight), and for many people, there is no work at the moment and the 'lock down' has brought a huge amount of new emotions. 
The whole subject is far too wide to discuss in a blog post here, and I don't profess to be a font of all knowledge on an educational, psychological and industry basis, but what I do know - after 27 years (so far) of being a Professional Financial Adviser and Broker - is how to offer personalised money advice for mortgages, life cover and property insurance. 
My new normal right now? It's working with my Clients by video conferencing (Zoom, mainly), as well as the long established phone, WhatsApp and email tools, too. 
Firstly, it's good to talk! 
The mortgage market is changing daily. Physical property valuations were stopped, critical illness insurance policies quickly started to include Covid-19 exclusions, rent guarantee insurance was pulled from the market ... I could go on with what went wrong very quickly, but I want to tell you what has still remained in place and why H D Consultants is still so very busy as an Adviser Firm. Here are just a few reasons why we continue to support our Clients 'as normal';  
mortgages, where desk top valuations can be carried out, are still very much in place  
mortgage product transfers / internal switches, haven't changed 
life insurance policies (ie payable on death) continue to be offered at normal standard rates 
most people still need a Will 
and the Team at H D Consultants, are still here, working safely in virtual locations, to maintain our full support for you all 
We are not tied to any one bank or insurance company and can secure the best value and most flexible product (or portfolio of products) for you, using our massive access to market. 
Find out what we can do for you too. A new, lower cost, mortgage or life insurance policy? A new Will? A new property insurance policy? A BTL portfolio review? 
Call us on 01206 577 266 or email your situation to us at and see how we might be able to help you via our Team of qualified, experienced, authorised and independent experts. 
Share this post:


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; 
Our site uses cookies. For more information, see our cookie policy. Accept cookies and close
Reject cookies Manage settings