Document download library 

Regulatory documents 
H D Consultants' seasonal newsletters and magazines, and blog articles; 
Read our latest Blog articles  
Winter 2023 Magazine 
Bank rates 
property predictions 
a rate check table 
own deal mortgage rates ending 
BTL strategies 
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Spring 2021 Magazine 
Mortgage Guarantee Scheme 
Life cover in 'covid' times 
Check your credit rating 
95% LTV mortgages are back 
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2020 Magazine 
Covid-19 Key action 
Furlough matters 
Self Employed Scheme 
Mortgage Payment holidays 
.. & positive news for landlords 
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Stay in touch via our social media sites 
2014/15 Winter Magazine 
Time to remortgage 
Mortgage Calculator 
Help To Buy 
Buy To Let landlords 
Protect The Family 
Offset Mortgages 
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2015 Summer Magazine 
Seeking Advice 
Home Improvements 
First Time Buyers 
Wills and Trusts 
Critical Illness Cover 
Alternative Funding 
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2015 Protection Bulletin Magazine 
Protection - focus on your recovery 
What if you can't work? 
FIB - low cost life cover 
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2016 Spring Magazine 
Protect Your Income 
Buy To Let news 
Tax changes 
Switch from SVR's 
Secured Loans 
Business Protection 
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2016 Summer Magazine 
The Road To Brexit 
Remortgage & Protect 
Write your Will 
Check your Credit Score 
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2017 Spring Magazine 
House building targets 
Self employed insurance 
BTL marketplace 
Bridging Loans 
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2018 Summer Magazine 
Meet your Funding Needs 
Protect Yourself 
Mortgages vs Rent 
BTL's for Ltd Coys 
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2018 Retirement Freedom 
Equity release 
Rolled up or serviced? 
How much can I borrow? 
Alternative options 
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2019 Summer Magazine 
Mortgage Prisoners 
Home Improvements 
The Adaptable Landlord 
The Property Ladder 
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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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