The headlines have been filled with news of price increases. Gas, electric, food and fuel are all at a premium cost and our disposable income is diminishing. The Bank of England has also increased the base rate to 0.75% and experts predict future rises over the coming year pushing more and more household incomes to be spent on bills. (source:
For First time buyers .... 
If you are a first time buyer this may seem a daunting time to be buying a property. But if you have your deposit ready, waiting could cost you more. The average house price in England increased by 9.8% over the year to October 2021 according to the UK House Price Index*. (* source
Let us help you map out a plan to get you on that first rung of the property ladder. 
For current homeowners.... 
If you already have a mortgage, when was the last time you held a thorough financial review to look at not just your mortgage, but all of your protection policies?  
Let us do the work for you.  
We just need to know your policy and mortgage details. We can contact the lenders and insurance companies on your behalf (using a signed permissions form from yourself giving us authorisation) and we'll carry out the full review to ensure you are getting the right mortgage and protection to meet your requirements.  
Some lenders have a 6 month offer validation period meaning if your mortgage is due to end between now and October, we could potentially secure your a new rate today to go live when the mortgage discount period ends.  
This means you will not be impacted on any further base rate increases from the Bank of England. 
For BTL'ers ... 
If you are a landlord, let’s review your current EPC rating and if you qualify for a green mortgage.  
This tends to mean that you can possibly secure better rates the more energy efficient your rental property is.  
Did you also know we can offer your tenants financial security via income protection? This means that if your tenant is unable to work due to an accident, sickness or redundancy, their insurance policy will pay their rent and bills for a specified period of time ..... meaning you get your rent AND it doesn’t cost you anything as it’s a policy taken out by the tenant. 
Your next steps.... 
Whatever your needs, let’s talk through your current financial commitments and situation so you can be confident you have the right mortgage and protection in place for your circumstances. 
Victoria Bennett 
Financial 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.  
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