Welcome to the H D Consultants Risk Reality Calculator, powered by LV=. 
Life is busy and taking time to pause, think and reflect is not always easy... let alone to think about the financial protection one might need. So, LV= created the Risk Reality Calculator to help raise people's awareness of the need for financial protection in an easy, clear and immediate way
This H D Consultants Risk Reality calculator quantifies a person's risks based on four personal details and the results really help to bring reality home.  
Appreciating none of us know what lies ahead, LV= want to encourage more people to put a financial back-up plan in place now - as it could make all the difference to that person's (and their loved ones) future financial security. 
Click here, or on the image link below to open the Risk Reality Calculator. And when you get your immediate results online, you can also click on the 'save / print' button and your own personal report can be downloaded as a pdf for you to keep and refer to. 
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.  
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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