Equity Release and Lifetime Mortgages 

H D Consultants is authorised & approved as a Lifetime Mortgage Adviser Firm. 

'Equity Release' is, thankfully, no longer a dirty word. 
 
The 1980's and 1990's were periods of time when banks sold certain types of mortgages, commonly known as Shared Appreciation Mortgages, or Home Income Plans.  
 
At the time, they were dressed up as 'equity release' and were presented as ways of 'helping' borrowers to release cash from their home. 
 
But, those products back in the day, were in fact riddled with huge risks, property price assumptions and interest rate gambles.  
 
Many people ended up in negative equity, and some lost their homes, and families lost their inheritances. 
 
The 2000's saw a very welcome sea-change in product design and now, many years later, we have user-friendly and compliant equity release products with 'no negative equity guarantees', 'inheritance guarantees', 'capital guarantees', a choice of lump sums, drawdowns or monthly income products that include optional payment features too.  
 
In today's market, the whole advice process is now highly regulated, strictly processed and robustly monitored - and rightly so, for consumer protection. 
 
NOTE Equity Release will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status. 
 
H D Consultants is a long established Firm of professional Financial Advisers, and we have specialists in our Firm who have access to a huge panel of equity release (also known as Lifetime Mortgage) lenders, including >> 
 
 
Our financial services network (Primis Mortage Network) is a member of the industry's leading trade body, The Equity Release Council, and collectively we abide by their code of conduct. (ERC statement of principles). 
 
Our service is comprehensive, professional, compliant and, most importantly of all, Client-centric. 
 
For advice and guidance, call us on 01206 577 266. Our office contact details can be viewed here
Why should you instruct H D Consultants’ to source and secure your new equity release / lifetime mortgage deal? 
Access to a comprehensive range of specialist mortgage products. 
 
Access to ’EXCLUSIVE’ mortgage deals. 
 
Accountable to you, our Client, and with full disclosure ensuring transparency and clear understanding 
 
Face to face mortgage advice throughout the UK 
 
You will deal with an Adviser, not a mortgage saleperson 
To contact us about our lifetime mortgage services, please complete the form below. 
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. 
A ;LIFETIME MORTGAGE PRODUCT WILL REDUCE THE VALUE OF YOUR ESTATE, WILL NOT BE SUITABLE FOR EVERYONE AND MAY AFFECT YOUR ENTITLEMENT TO STATE BENEFITS. THIS IS A LIFETIME MORTGAGE / HOME REVERSION PLAN. 
 
TO UNDERSTAND THE FEATURES AND RISKS PLEASE ASK FOR A PERSONALISED ILLUSTRATION. 
 
FOR LIFETIME MORTGAGES, CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE 
OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN DOUBT, SEEK INDEPENDENT ADVICE. 
 
Equity release may involve a lifetime mortgage or a home reversion plan which is secured against your property. 
You only continue to own your own home with a lifetime mortgage, secured against your property. 
 
We provide initial advice for free and without obligation. 
 
Only if our Client chooses to proceed, would a maximum fee of up to 2% of the amount released, be payable. For example, if the maximum threshold of 2% was charged, a fee of £1,500.00 would be payable based on a gross mortgage advance of £75,000. Our typical fee is £500.00. 
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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