Welcome to FRONTLINE FINANCIAL SOLUTIONS   Mortgage and Insurance Advisers for members of the Blue Light, Military and Emergency Services Community 

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Frontline Financial Solutions has a team of advisers who will provide you with numerous added value benefits, and also various discounts off of our usual Professional Fees (see below for details) which are typically charged for some of our products and services within our comprehensive mortgage, insurance and will writing proposition. 
But, of course, it's not all about low or no broker fees (and it should never be just about that), 
We believe that everyone should also receive a full, professional advice service helping you and your family to properly plan not only for the best deals and arrangements right now, but you should also be advised how to include the right product flexibility in place which changes as and when your circumstances do, via an ongoing review service. Buying cheap can often mean having to buy twice ... you get what you pay for. 
So, on top of our high quality advice and low fee proposition, we are also really pleased to offer you ......  
A FREE basic Will (single or joint) (These products are not regulated by the Financial Conduct Authority and we are not authorised via PRIMIS Mortgage Network to advise on them. Terms & Conditions Apply*****.) 
FREE Trusts facilitation service for your life insurance policies 
A financial review showing you in detail the best value options for mortgages, life insurance, buildings insurance, etc 
Mortgage advice services at reduced rates - a 50% discount off of our typical Professional Fee of £500, meaning you get the full professional advice, recommendation, application submission, case tracking, document checking and Offer review service, for £250 
A £50 'cashback' on your first qualifying mortgage or insurance plan, paid via the One4All shopping voucher scheme  
..... and ... not only do we want to help you to save money, but through our Frontliners network (a refer-a-friend / family member system) you can also make money with us, and enjoy additional £50 SHOPPING VOUCHERS for each and every qualifying referral, as well** 
Giving back to you and the Blue Light Community is crucial to our proposition, so we will also donate £25.00 to the Blue Light Card Foundation for every completed mortgage and life insurance policy arranged via the Frontline Financial Solutions service too. 
Win, win, win, win, win, win and win...... 
How does it work? 
Firstly, we all know that 'fit for purpose' life insurance policies should be in place for ourselves, our family and our mortgage (or rent).  
If you haven't already sorted this, you know this needs to be put in place asap. We will arrange your new cover ...... with no professional advice charge, as stated in our standard Terms of Business documents (which can be viewed / downloaded here).  
Also, as you might be aware, all life insurance policies should be written in to Trust. We will explain what this is all about, and fully facilitate this being set up for you for FREE too. 
You will still receive the full professional service which we have provided to our Clients for over 30 years, but as a THANK YOU for your career service - and also if you are a member of the Blue Light and Defence Discount Service card networks - we'll provide this service for you at a large discount (or for free**). 
You qualify for the full Frontline Financial Solutions service package if you are a Blue Light Card / Defence Discount Service card holder, affiliated to the following organisations ........ 
Ambulance Services including Air Ambulance Trusts  
British Army  
Fire Service including MOD 
Highways England  
Police Traffic Officer  
Police including MOD 
The Red Cross 
Royal Air Force  
Royal Marines  
Social Care Workers 
St Andrews Ambulance and St John Ambulance  
.............. and so many more - contact us to ask if you qualify 
We know that the cost of living, including paying for mortgages and insurances, has become a major issue for many people over recent times, and we want to help where we can. 
Our daily job is to support our Clients by finding and securing the best value from our comprehensive panel of lenders and providers, helping you to arrange the most flexible and lowest cost new mortgage, life insurance and property insurance arrangements. 
Enable financial security, save money, make money, support charity 
** Follow the steps below to start a money-saving review without cost or obligation, a personalised insurance advice service, a FREE Trust facilitation service, and also to receive a FREE basic single or mirror Will. And in addition to receiving a £50 shopping voucher, you can also make money with us via our refer-a-friend network as a Frontliner
Step 1) Send us your initial information via the enquiry form,  
and then ..... 
Step 2) We will call you back, at our cost, and we'll also send you the link to start the free Will process. If required, we can be there at the end of the 'phone or email or WhatsApp, to ensure that you get help and advice. Start step 1 below for a call-back and to start the process to receive a free, legally binding, valid and professionally drawn up Will (saving up to £130).  
Frontline Financial Solutions - supporting the Blue Light Card Foundation ...... We want to give back to the Blue Light community, too ... For every new mortgage and qualifying insurance arrangement (****) successfully applied for and implemented via Frontline Financial Solutions, we will also donate £25 to the Blue Light Card Foundation 
"The Blue Light Card Foundation supports everyone in our community, whether they’re Blue Light Card members or not, and at whatever point they are in their career or retirement. Whenever they need us, we’ll be there." 
STEP 1 .... Complete the enquiry form ..... that's it! 
We welcome enquiries from everyone who has a Blue Light Card which is the shopping discount service for the emergency services, NHS and social care sector, providing their members with thousands of amazing discounts online, face to face and on the high street. 
The Defence Discount Service Card provides discounts, both online and on the high street, for members of the Armed Forces, Veterans and the Armed Forces Community. 
Members of the Blue Light community can register for access to more than 15,000 discounts from large national retailers to local businesses across categories such as holidays, cars, days out, fashion, gifts, insurance, mortgage and financial services, and many more. 
If you're not yet a member of these card schemes, please click the following links to apply / register; 
*** Become a FRONTLINER (Referral Form here) 
A Frontliner is someone just like you, ie someone who is happy with a service and who then wants to recommend that Company. Frontliners recommend Frontline Financial Solutions to friends, colleagues and family for mortgage and insurance advice.  
There are no joining restrictions, no membership application forms to fill in, no fees payable for being a Frontliner, no need to provide card or bank details, just simply, when you refer Frontline Financial Solutions to your friends and family - and they then switch their mortgage or insurances via a Frontline Financial Solutions Adviser, and the first life insurance premium has been paid (see terms below) - we want to thank you, the Frontliner, for that referral and we will send a £50 One4All shopping voucher to you.  
And also ... as a welcome gift for your friend / family member, they will also receive a £50 shopping voucher once they have switched their mortgage or insurances to Frontline Financial Solutions, too. **** 
And there’s more … Each referral is recorded so we will also help you to keep track of all of your referrals and, as a Frontliner, when you have referred 5 new clients to us, not only would you have already received 5x£50 vouchers, but you will then also receive an additional £100 'thank you' voucher on successful completion of the 5th mortgage or qualifying insurance arrangement implemented with us. There are no limits on how many referrals you can make! Just one per week could be worth £thousands per year. 
**** Once your referral has switched their mortgage or insurances to Frontline Financial Solutions and the first premium has been paid we will reward you with you a £50 voucher, which can be spent in a huge selection of over 170 high street and online outlets.. See the full list here. 
T&C's. Your referral cannot already be an existing or former Client of Frontline Financial Solutions or H D Consultants. Vouchers are only provided when new mortgages, life cover, critical illness, private health cover and income protection are taken out via Frontline Financial Solutions / H D Consultants. To qualify, the minimum life insurance premium has to be at least £25 per month. There is no cash alternative available. Referral Form HERE 
***** Free Will T&C's - We provide you with an online link to the Will Writing provider partner who will arrange your Free basic single or mirror (joint) Will. If you choose to store your Will via this process, there is a nominal £14 per Will per year fee (this fee may be subject to change and will be updated and confirmed from time to time). IN ADDITION, this storage service also includes FREE, UNLIMITED CHANGES should you need to amend or update your Will in the future. The storage option is not compulsory, so it is entirely your choice if you wish to safely store the Will to include the 'no cost to change' service.  
(previously approved reference 1436009 Daljit Najran) 
Frontline Financial Solutions is an FCA authorised trading name of Howard Reuben and H D Consultants who is 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. We normally charge a fee for mortgage advice. The amount will depend on your circumstances. A standard typical fee would be £500. 
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK 
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; 
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