Buy To Let and Bridging
Our award-winning specialism, from first rental to large portfolio, plus fast bridging.
- Best Buy To Let Broker of the Year 2020
- Business Moneyfacts Finalist 2026
Tied to You. Not to Any Lender.
Award-winning mortgage and protection advice from Colchester since 1993. Homes, buy to lets and tricky cases, across the UK. No fee unless you apply.
- Best Buy To Let Broker 2020
- Advising Since 1993
- 5.0 on Google
Your home may be repossessed if you do not keep up repayments on your mortgage.
Winner Best Buy To Let Broker of the Year 2020, The Mortgage Awards
Recognised Year After Year
Business Moneyfacts finalist, Buy To Let Broker of the Year 2026.
Advice for Every Move.
One adviser who knows your case, searches the market and tells you straight.
Buying a Home
First home, next home or a fresh start, including lenders you can’t reach direct.
Ask About BuyingRemortgaging
Deal ending? We compare staying put with the wider market before your rate ends.
Ask About RemortgagingProtection
Life cover, critical illness and income protection, set up in trust. Our insurance advice is free.
Ask About ProtectionLater Life Lending
Equity release and lifetime mortgages, explained plainly.
A lifetime mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits.
Ask About Later LifeSpecialist Teams for Specialist Cases
Two Ropes. One Knot.
Look closely at our logo: a bronze rope and a grey rope, tied together. We’re not tied to any bank, building society or lender. We work for you, and we stay.
- 1993Advising from Colchester since 4 January 1993.
- 20+ YearsMany clients have stayed with us for over two decades.
- ReferralsWe grow by recommendation, not advertising.
“My role as someone’s adviser is a privilege.”
When It’s Not Straightforward.
Complex income, an unusual property, a no from the bank: this is where advice earns its fee.
4Hours
From Application to Mortgage Offer
An ex-local authority flat on a 90-year lease that some lenders expected to fail valuation. Victoria found one that didn’t.
Victoria Bennett, February 2025
5Advisers
Couldn’t Help Ollie and Steph
John found two mortgages that fitted, and they completed a remortgage and a purchase together. That’s them up top.
John Stallan, January 2018
2Freelancers
One Shared Ownership Mortgage
Austyn knew which lenders would take two freelance incomes and a shared ownership home.
Austyn Johnson, September 2025
No Fee Unless You Apply.
Our Fair Fee Policy: every cost in black and white, before you decide.
- 1
Talk It Through
A free chat by phone, Zoom, at our office or at home.
- 2
We Search the Market
Banks, building societies and specialist lenders.
- 3
Your Options, in Black and White
What you can get, and every cost.
- 4
Apply With Us Beside You
Our fee is due only when you apply. We see it through to completion.
A typical mortgage advice fee is £500, payable on application. Insurance advice is free.
In Our Clients’ Own Words.
5.0Google rating, from six reviews
113Dated client comments since May 2023
“Throughout the whole bewildering process we never doubted that he was totally in our corner. We would not have got a mortgage without him.”
“This man literally gave me hope again when I thought all was lost.”
“Makes something that can be quite an arduous process almost enjoyable!”
“Victoria provided outstanding advice, service, and products… without any pressure to make a purchase.”
Meet Your Advisers.
Qualified, regulated and easy to reach, from first call to completion.
Howard Reuben
Founder and Principal, CeMAP, CeRER
Buy to let, protection and wills.
Stephen Pears
CeMAP
Portfolio landlords, since 2004.
Austyn Johnson
CeMAP
Leads Mortgages For Actors.
John Stallan
CeMAP, CeRER
Later life and protection.
Victoria Bennett
CeMAP
Women in Insurance finalist.
Darren Godfrey
CeMAP
Adviser since 2005.
Danielle Clark
CeMAP
Former police officer.
Our Support Team
Colchester Head Office
Eve Firmin and Diane Reuben.
Visit Us in Colchester
1 George Williams Way, CO1 2JS, with free parking. Or we’ll come to you.
Get DirectionsQuestions, Answered.
Anything else, ask us on 01206 577 266.
How much does your advice cost?
Your first conversation is free. For mortgage advice we charge a fee only when you apply: typically £500, though it can be more or less depending on your circumstances. We confirm it in black and white before you apply. Our insurance advice is free.
Can you help if I'm self-employed or my case is complex?
Yes. Self-employed and contract income, freelancers and actors, limited company landlords and unusual properties are everyday work for us, and we have specialist teams for several of them.
Do I need to come to Colchester?
No. We meet at our Colchester office, at your home or workplace, by phone or on Zoom, and we advise clients across the UK. Documents are uploaded and signed securely online.
Which lenders do you use?
We’re not tied to any bank, building society or lender. We search a comprehensive range of high street and specialist lenders, including exclusive deals that aren’t available direct.
Are you regulated?
Yes. H D Consultants is a trading name of Howard Reuben, an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority. Every adviser holds CeMAP.
What is the free will offer?
Arrange a new mortgage or life insurance policy through us and we’ll fund a basic single or mirror will, a saving of up to £130. Will writing is not regulated by the Financial Conduct Authority.
Book Your Free Consultation.
Tell us what you’re planning and an adviser will call you back within one working day.
- No fee unless you apply
- Insurance advice is free
- Phone, Zoom, our office or your home
“Austyn makes things painless.”
