Head Office 01206 577 266 | Head Office Fax 08717 334 367 | Email us office@hdconsultants.net 

Meet Our Award Winning Team... 

Howard Reuben CeMap, CeRER, CII (M&P) 

Sector specialism 
 
Buy To Let Mortgages, Life Cover, Commercial Insurance, Wills and Estate Planning, Commercial Finance, Business Protection Assurance, Shareholder Protection, Residential Mortgages, Bridging Finance & Short Term Lending, Equity Release Mortgages, HMO Finance, Critical Illness Cover. 
 
Office base 
 
Head Office, Colchester, Essex. 
 
Client meetings held at HO, or at our Clients' homes or offices nationwide 
Professional Memberships 
Member of the Chartered Insurance Institute by Certificate 
Member of the Society of Mortgage Professionals 
Member of the Personal Finance Society 
Member of The Society of Will Writers and Estate Planning Practitioners 
Contact Howard 
01206 577 266 
mobile 07774 633 639 
email howard@hdconsultants.net 
In December 1985 I resigned as an employed jeweller and I started the new year in January 1986 (a few days before my 20th birthday) launching my own retail jewellery Company. Whilst developing this Firm I simultaneously continued my industry training at the prestigious College for the Distributive Trades in Leicester Square, London, and was successful in securing the R.J. Diploma which was awarded to me at Goldsmiths College by the then Home Secretary. 
 
When the recession of the late 80's early 90's hit the UK economy, I saw the writing on the wall for luxury trades and I considered that a new shift in my career path to a 'necessity' trade was then required. So I considered the question; what would be the mass market necessity that brings daily volume of sales? My answer and direction was to move in to the world of catering, so I bought an existing company and retail unit, which over the first 4 years of trading was built into a small chain of sandwich bars including a mobile delivery service. 
 
The philosophy behind buying my first sandwich shop was that everyone has to eat - not everyone needs a new diamond ring every day! 
 
Ultimately though, and at a time when our shop’s landlords started to increase rents and our customer base was shifting again, yet another new proposition was presented to me. This time, it was to enter the dynamic world of financial services. After some deliberation, the plans were set, the direction was determined and the shops and catering business were successfully sold. 
 
That was in January 1993 and since then this Company has developed and we have evolved into a multi-faceted financial services organisation. I have grown this business from a start-up 'one man band' into a successful Practice with a team of professional Insurance Advisers, Estate Planners and residential and commercial Mortgage Consultants. Without any direct marketing, we have grown as a Company with all new business received based on referrals and professional introductions. 
 
In my personal life, I continued my migration from east London, via Sawbridgeworth (great village / 15 pubs!) and Hatfield Broad Oak (a remote cottage in this Hertfordshire forest) and also via Hatfield Peverel near Chelmsford (where my children were born) until in 1999 I settled with my wife, two daughters and son in the town of Colchester. 
 
Along the way I continued my professional development training and I have successfully achieved the CeMap qualification as well as the full FPC. In addition, I am authorised and trained to advise on many areas of financial services including PMI, Corporate / Group schemes and Commercial Finance. 
 
Since 1995, I have also been taking instructions for Wills, Trusts and providing advice and guidance on Estate Administration as a legal services provider. In March 2012, I was advised by the Institute of Paralegals that "the Membership Committee unanimously elected you as a Registered Paralegal". 
 
My specialist area of legal services is advising on Wills, Trusts and providing advice and guidance to Executors and Trustees. As a long standing member of the Society of Will Writers and Estate Planning Practitioners, I continue my CPD training on a regular basis. 
 
My role as Principal of H D Consultants is to ensure that the whole Company always provides a professional, comprehensive and 'Client-focused' and progressive range of products and services. 

Stephen Pears CeMap 

Sector specialism 
 
Buy To Let Mortgages, Life Cover, Commercial Finance, Business Protection Assurance, Shareholder Protection, Residential Mortgages, Bridging Finance & Short Term Lending, HMO Finance, Critical Illness Cover. 
 
Office base 
Head Office, Colchester, Essex. 
 
Client meetings held at HO, or at our Clients' homes or offices nationwide. 
 
Living and working in Colchester, Essex but with most of my business carried out in Scotland! 
I started working as a Financial Consultant with Howard at H D Consultants in October 2004 after having worked in the IFA sector for a number of years. 
 
Predominantly, my business is BTL mortgages and I work very closely with professional landlords for their single, portfolio and BTL mortgage, finance and insurance requirements. 
 
When not working for my Clients, I'm a dad of two young daughters and also a lifelong fan of Colchester United. 
Contact Stephen 
01206 577 266 
mobile 07919 564 177 
email stephen@hdconsultants.net 

John Constant CeMap 

Sector specialism 
 
Buy To Let Mortgages, Life Cover, Commercial Insurance, Wills and Estate Planning, Commercial Finance, Business Protection Assurance, Shareholder Protection, Residential Mortgages, Bridging Finance & Short Term Lending, HMO Finance, Critical Illness Cover. 
 
Office base 
 
Local Office, Clacton on Sea, and also at our Head Office in Colchester, Essex. 
 
Client meetings held at HO, or at our Clients' homes or offices nationwide 
My name is John Constant and I have been employed as a Senior adviser with HD Consultants for the past 7 years. Prior to this time, I spent 12 years in the industry in a variety of roles, advising clients on their mortgage and protection needs. 
 
My role as an adviser finds me in a position where I can help and advise clients of all levels from “First Time” residential buyers to experienced large portfolio BTL landlords. This is a tremendously satisfying position that requires a broad knowledge of the lenders criteria and underwriting. Central to this advice process is my understanding you and your particular situation. I get to know my clients quite well during the course of a mortgage of life insurance application, and I hope that this relationship makes me the natural choice when additional services are required, or where you know of someone who needs the specialist advice that we provide. 
 
I am happy to take your enquiry over the phone or in person. 
Contact John 
01206 577 266 
mobile 07751 042 485 
email john@hdconsultants.net 
Caroline Maguire CeMap 
Sector specialism 
Wills & Trusts and Estate Planning 
Office base 
Local Office, Langdon Hills, Essex. 
 
Client meetings held throughout London, or at our Clients' homes or offices nationwide 
My past experience is predominantly Banking and Commerce. Having worked in the City of London for eleven years for the First National Bank of Chicago, as an Officer of the Bank, where I spent a considerable amount of time in the Dealing Room looking after the corporate clients and Traders alike. Service levels and ownership being a big priority extended to clients and colleagues in business. 
 
I am a CeMap qualified Consultant and have previously worked with the same company based in Billericay, Essex for six years. I joined HD Consultants in 2012, where we have formed a strong alliance to take our combined business forward. 
 
I am an experienced and professional Wills and Trust Adviser, and an affiliated member of the Society of Will Writers. This is an important area where clients require advice and guidance, when taking steps to ensure that their families are taken care of with the correct Estate planning. 
Contact Caroline 
01206 577 266 
mobile 07950 622 375 
email caroline@hdconsultants.net 
I have also had the benefit of being a shareholder and working in my own company, providing me with a valuable insight when meeting with Limited Companies, Sole Traders and business owners. Corporate financial planning requires enhanced advice skills, which I am qualified and experienced to provide. 
 
I like meeting and helping my clients achieve their objectives and goals whether it's for their finance, mortgage, protection, critical illness, secured loans and many other matters. 
 
I derive great satisfaction in always seeing the project through to its conclusion. 
Oana Salomie CeMap 
Sector specialism 
 
Buy To Let Mortgages, Life Cover, Commercial Insurance, Wills and Estate Planning, Commercial Finance, Business Protection Assurance, Shareholder Protection, Residential Mortgages, Bridging Finance & Short Term Lending, HMO Finance, Critical Illness Cover. 
 
Office base 
 
Head Office, Colchester, Essex. 
 
Client meetings held at HO, or at our Clients' homes or offices nationwide 
 
Contact Oana  
 
01206 577 266 
mobile 07961 958 740 
email oana@hdconsultants.net 
I joined HD Consultants in July 2017 with a lot of confidence that I would achieve a very much wanted career as part of a professional team. 
 
I am qualified to offer advice on mortgages, protection and personal insurance and I hold the CeMAP certification. 
 
My CV includes that I have previously worked for a London estate agency and my roles have been varied, including office administrator, document controller and sales adviser. 
 
I believe that treating my clients as I would expect, and like, to be treated, is a key component in providing quality and sustainable advice. 
 
When not working my interests revolve around my family and friends, I also like going to the cinema. 
 
 
 
 
 
John Stallan CeMap, CeRER 
Sector specialism 
 
Buy To Let Mortgages, Life Cover, Commercial Insurance, Wills and Estate Planning, Commercial Finance, Business Protection Assurance, Shareholder Protection, Residential Mortgages, Bridging Finance & Short Term Lending, Equity Release Mortgages, HMO Finance, Critical Illness Cover. 
 
Office base 
 
Local office; Leigh on Sea, Essex and also at our Head Office, Colchester, Essex. 
 
Client meetings held at HO, or at our Clients' homes or offices nationwide  
 
Contact John 
 
01206 577 266 
mobile 07788 219 647 
email john.stallan@hdconsultants.net 
 
I joined HD Consultants in Jan 2017 following a successful career spanning 30 years in a man management role where the focus has been on exceptional service delivery to enable client fulfilment. 
 
I am qualified to offer advice on Mortgages, Personal Protection and Equity Release and hold CeMAP and CeRER certifications. 
 
Having been a property owner for the past 30 years, experiencing high and low interest rates, property boom and crash, I understand the importance of receiving honest straight talking advice. 
 
I take pride in everything I do and believe keeping the client updated is extremely important – even when there is no actual progress. 
 
Outside of work I enjoy Football, motoring, and recently cycled from my home in Leigh-on-Sea to Paris following the Avenue Verte route.  
Austyn Johnson CeMap 
Sector specialism 
 
Buy To Let Mortgages, Life Cover, Commercial Insurance, Wills and Estate Planning, Commercial Finance, Business Protection Assurance, Shareholder Protection, Residential Mortgages, Bridging Finance & Short Term Lending, HMO Finance, Critical Illness Cover. 
 
Office base 
 
Head Office, Colchester, Essex. 
 
Client meetings held at HO, or at our Clients' homes or offices nationwide  
Contact Austyn 
01206 577 266 
mobile 07500 871 209 
email austyn@hdconsultants.net 
 
I came on board with H D Consultants in late 2018 and I’ve since gone from strength to strength. My background is as an Aerospace Engineer, but I retrained as an Adviser and now I am loving my job! My happy and outgoing character is well received by my clients and I enjoy meeting new people to discuss how I can help. 
 
As well as meeting clients at their houses, you will sometimes find me talking to clients in coffee shops or cafés or a pub somewhere in the depths of London. I make sure my clients get the best service and if that means going above and beyond, then that’s what I will do. 
 
My clients range from the elderly lady across the road, full time landlords with scores of houses to musicians and film actors. 
Every day is a new beginning and every opportunity should be grasped with both hands. 
Get in touch and have a chat with an Adviser who understands how hard you work and who wants to help you drive your objectives forward. 
Eve Firmin - Senior Client Administrator 
I joined H D Consultants in 2015 and I am now Senior Client and Broker Support Administrator.  
 
Office base 
 
Head Office, Colchester, Essex. 
 
Contact Eve 
01206 577 266 
email eve@hdconsultants.net  
 
I have 14 years experience within the banking industry and many years experience as a mortgage administrator. 
 
I am CeMAP qualified and am now based in our HO in Colchester supporting all of the H D Consultants' Brokers with our Clients' mortgage and protection applications. 

Diane Reuben - Accounts and HR 

Office base 
Head Office, Colchester, Essex. 
 
Contact Diane 
01206 577 266 
email diane@hdconsultants.net 
I help to ensure that the smooth running of the ‘back office’ processes is professionally and compliantly fulfilled. 
 
All Advisers at H D Consultants are very aware that our Clients are our first and foremost priority and I help to manage the regime of compliance, pipeline and administration checks and controls. 
 

Community of Advisers 

Community of Advisers, Pensions, Investments and nationwide coverage of our full range of services 
H D Consultants’ Clients all have a wide range of financial requirements including mortgage arranging, life assurance strategies, and personal and company pensions and investment planning too. 
 
Via a nationwide team of qualified, experienced and specialist Advisers, our pensions and investment proposition is available to our Clients throughout the UK. 
 
For Clients who require a local Adviser and who are not located near one of our offices, access to our full range of BTL, life cover, residential mortgage, bridging finance and personal and corporate (including auto enrolment) pensions and investment services, is available too. Our Community of Advisers is truly nationwide. 
 
H D Consultants' is not authorised to provide investment advice 'in house', so you will be referred to a suitably qualified and authorised adviser from within our Community of Advisers with whom we closely work. 
Some of the services/products shown are not or may not be regulated by the Financial Conduct Authority. 
To contact an Investment Adviser or to book a local appointment with a member of our Community of Advisers, please complete the form below and send us your details and message. You can use this form to contact Your own Adviser (details above) directly, too. 
H D Consultants. Meetings and appointments are held at Hawkins Rd offices (details 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 accepts no responsibility for the content of these sites.. 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: 1425988 / 28.01.2021 
Long established, recognised and national nominees and award winners for our professional mortgage services; 
H D Consultants chosen Charity of the Year 2020 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. https://www.justgiving.com/fundraising/hdconsultants-essexandhertsairambulance-2020 
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