When considering using a new service or Company, whether it be an accountant, solicitor or Financial Adviser, it's always reassuring to hear from other people who have already used them too. .After all, your Financial Adviser is a service provider, as well as a regulated professional. 
Our professional 'networking' activities include our membership of LinkedIn and many of the testimonials below are extracted directly from our LinkedIn profile for your interest. 
We have also asked a range of our clients to provide us with some honest feedback, too and these are also included below. 
We hope that this reassures you that our professional colleagues and existing clients, who are individuals, families, property investors and business owners, just like you, are happy to provide a genuine positive testimonial as to the quality of our work and service.  
A huge "thank you" to all the people below who wrote those very kind words about us and our Firm. 
Are you a Client and would like to add your testimonial to those below? Click here and fill in the form below.... 
I’m thoroughly happy with all of the help, support and advice given by Howard and Eve. Many thanks. 
Sam Billinge Jan 2nd 2018 
Hi Howard, 
I would like to share our outstanding experience with John Stallan in helping us to secure a buy to let mortgage for our London new build investment flat. 
John took the time to really get to know us and our lending needs and preferences then researched options and suggested the best BTL mortgage products for us to consider. He followed up with the two lenders we were considering to confirm if there were any special considerations with the type of new build flat that we purchased enabling us to select a very competitive lender that made us an offer shortly afterwards.  
He regularly kept us informed of the our mortgage application status and requests from the lender, resulting in a quick offer with minimal effort and stress.  
The overall experience with John and HD Consultants was significantly better than applying on our own with our bank for our last investment property and helped us understand broader options.  
John was an absolute pleasure to work with and earned our confidence, trust and respect delivering a great outcome with our important financing needs.  
We will definitely request broker services from John and HD Consultants for our next property.  
Thanks for your outstanding service John and HD Consultants! 
Thanks! Kevin 
Kevin Lasitz 23rd September 2017 
Testimonial for John Stallan from Alan Butler, July 2017 
(click here for large version) 
"Caroline Maguire was extremely diligent and helpful when recommending and providing me with her services in aid of my life cover. I would no doubt be recommending her to my friends and family!" 
23/03/2017 Amy Hounsell 
I have used John Constant on multiple occasions and have always been extremely happy with the outcome and his ability to find an appropriate mortgage product for me. He excels at understanding my specific financial situation. 
Michael Armstrong 27/04/2017 
"John Stallan was professional, efficient, and courteous in all his written and face to face communications with me. 
He outlined the various mortgage products and gave me what I considered very sound advice. 
He simplified everything and made the whole process simple and pain free. I was kept informed by John at each stage of the process. 
I was delighted with John's service. It is refreshing to work with a financial adviser who was truly interested in their client’s needs, circumstances and preferences. 
I will avail of John's advice and services for any other future mortgage work, and I will have no hesitation in recommending HD consultants to family and friends." 
David Barrett, Client , June 2017 
Just a couple of months ago we were given an unexpected notice by our landlord who required his property to be vacant.  
We hadn’t planned on moving house until early 2017 so this completely left us in the lurch. 
As first-time buyers we did not really know what we were doing. You guided us explaining all the options clearly.  
You also picked up on several errors from the builders and the solicitors which we wouldn’t have noticed. 
Not once did you ever seem put out in any way. You were always extremely responsive to queries, no matter how small.  
You responded to messages and even called me whilst you were on your holiday just to make sure we had everything in order to proceed. 
It is thanks to your assistance that we have now moved into our dream home within just 60 days and we could not have done it without you. 
You wholeheartedly went above and beyond the call of duty and I would have no hesitation in recommending you to others. 
Warmest regards 
David Maurer, Full Power Utilities, 6th September 2016 
Caroline processed our information very quickly.  
As it turned out Caroline was quickly able to determine that products available in our case were higher cost than our current product.  
Although the objective was to raise capital via remortgage, it was not a financially positive way to go.  
We will definitely come back to Caroline in future, when we are ready to reinvest after planned disposals. 
Gerry, August 2016 
Stephen Pears arranged my initial mortgage and subsequent mortgage when I moved home.  
On each occasion, Stephen took the time to listen and understand my circumstances and needs, in order to find the best mortgage package for me.  
I would have struggled to navigate the vast array of mortgage deals available myself and found Stephen’s expert knowledge and experience invaluable.  
I was particularly reassured by the way Stephen considered the risks involved and gave me confidence that he had my interests in mind completely. 
Stephen is my first point of contact for financial advice and I would have no hesitation in recommending him to others as well. 
Rachel Frost November 2013 
An exceptionally helpful Mortgage Advisor, John Stallan contacted me after 5 seperate other advisors couldn't help me and my girlfriend. We needed two quite specific mortgages to fit our requirements and through effective communication remotely, and then numerous appointments with us both in person, he managed to find a number of products that suited our needs. 
His diligent commitment to ensuring our application was absolutely perfect prior to submittal was critical in ensuring we encountered no negative issues on application. Despite the difficult task, his excellent advice and guidance enabled us to complete simultaneously on one remortgage and one new purchase together. 
I have already recommended his services to a number of my family and close friends. When the time comes, he will be my only choice for remortgage. Thank you from the both of us. 
Ollie and Steph, West Sussex, 11th January 2018 
Thank you very much for coming over again today, John <> It was truly nice talking to you. 
I feel so much happier that the loan & the insurances & a will are now decided so that I will be truly ready for the new adventures which is my new investment journey. 
Without your & Caroline’s support I won’t be here today. 
Thank you so much again!! 
Hitomi Yamagishi 
23rd November 2017 
"Stephen Pears is brilliant. Undoubtedly the best broker I've ever used by a mile. No wonder so many landlords and investors recommend him." 
Graeme Summers 18/01/2017 
"Following a recommendation, a meeting with Howard was easily arranged. 
He was concise and thorough during our meeting, followed up by emailed information and advice. 
The remortgage process went smoothly and is now complete. 
I would recommend HD Consultants without hesitation." 
Martin Davies 22/02/2017 
"Stephen is a credit to your company. 
I have already recommended him to a family member and will most certainly contact him when we need to refinance. 
Alistair Kirkhope 20/12/2016 
"Amazing service received from Howard Reuben at HD Consultants. Everything was very clearly explained and we received an offer within 48 hours of the application being made. Would not hesitate to recommend HD Consultants to anyone that requires a professional friendly and knowledgeable advisor." 
Mark Firmin, April 2017 
(sent to one of our Introducers) 
I just wanted to say a big thank you, I have managed to get my lease extensions underway on my flats this year, and I've also purchased three new properties, become a member of the landlord association and taken the necessary insurance out, and I wouldn't of done that without your help and your fantastic forum which I find of great value. 
Thank you for recommending HD Consultants for me. 
Matthew Dorrington 10th December 2015 
"I am extremely happy with the advice and recommendations my advisor (Howard Reuben) gave me.  
He was knowledgeable and informative about the buy-to-let market and the range of mortgage options available to me. Thanks to his clear speaking, I fully understand how the products he recommended will work to my benefit.  
I could not recommend this company any higher." 
Fiona O'Brien-Smith, February 2016 
"I am pleased to tell you that completion took place today and I have received the money.  
Many, many thanks for making this such a smooth process and I appreciate all you help.  
If I am ever able to recommend you to anyone I will certainly do so" 
Nina Clark, April 2015 
"My investment partner and I knew we were in for an up-hill struggle to obtain our buy-to-let mortgage due to our complex residency status. 
However, Caroline was determined to help us and she did so every step of the way with a friendly and personal service as standard.  
We would most definitely recommend Caroline's services to our family, friends and colleagues as we felt in good hands throughout the duration of the process." 
Adam and Paul, January 2015 
“My wife and I were incredibly fortunate to discover HD Consultants.  
We had a complex application involving a very short lease, an estate planning transfer, a sizeable loan and numerous ensuing lender requests, all of which Howard Reuben attended to with great thoroughness that enabled a successful and speedy completion. 
We are profoundly grateful to Howard for his enduring patience, professionalism and persistence and could not recommend him more highly.” 
Maxim Parr, CEO, Quercus Associates - January 2014 
"Having known Howard for several years for business dealings we are always impressed by his vigour, acumen and passion. 
HD Consultants continue to win high level awards, deservedly so and we look forward to seeing more awards in the future." 
Peter Matheson, February 2015 
"Howard was recommended to me by a mutual friend.  
His dedication and determination to solve problems is unbelievable.  
I thought all I needed was a standard BTL mortgage, but as time went on more and more problems arose. What we had thought to be a straightforward purchase of two flats for letting turned out to be far more complicated with a freehold, two leases and three various owners to contend with.  
Howard helped solved each and every one of them professionally and without fuss. He and his team are amazing. 
I will most definitely recommend him to anyone who asks if I know of a reliable, professional broker and will be returning to him myself in due course for a remortgage." 
Chrisi Evans - August 2014 
"I'd like to thank Caroline so much for her relentless effort, positivity and professionalism .  
I'm not sure how we would have coped without her.  
She made the whole process easy to understand and gave me great confidence with each decision we had to make." 
Tom Ollerton, October 2014 
I have worked with Howard on a number of transactions and he always goes the extra mile to get the deal done. 
Proactive customer service and an ability to get results where others make excuses mean I will continue to give Howard my business and have no need to look elsewhere. 
Mr P Kaye - August 2014 
"I wanted to write to express my appreciation of your help recently to remortgage our rental property. Due to your hard work getting to know us properly the process has been fast and efficient, yet diligent, and we have always felt fully informed and aware of all our options. 
Not only are we able to switch to a mortgage product with a lower interest rate and lower monthly payments but the new mortgage is flexible fitting our circumstances perfectly. Many thanks for all your hard work, we will be recommending you to all our family and friends in future." 
John Lawley, June 2016 
Howard is always on the front foot looking at ways in which to bring value into his business. 
Through the HD Group he has provided a sound base for professionals operating in financial services markets, allowing them to apply their trade in a safe, controlled and innovative environment. 
I have no hesitation in endorsing Howard’s position and I very much hope that our companies explore ways in which we could conduct business with one another in the not too distant future.” 
Martin Wilcocks, Chief Executive, Wilcocks & Associates. 
“We're pleased to present HD Consultants with the “Best Buy-to-Let Mortgage Firm of the Year Award”. Our award winners are all measured against a number of high quality measures, which ensure that the business is consistently putting their customers at the heart, and providing great outcomes for them. It is a great opportunity to recognise HD Consultant’s hard work and celebrate all that they achieved throughout 2013”. 
Max Wright, CEO of Personal Touch Financial Services  
January 2014 
“Considering the breadth of quality in the PTFS network, we at Shawbrook are delighted to see H D Consultants winning the award as Buy to Let Mortgage Firm of the year and we know from our experience and relationship with Howard and his team that this is very much well deserved and hard earned” 
Stephen Johnson,  
Managing Director of Commercial Mortgages 
Shawbrook Bank .............. January 2014 
Howard is a rare find in today's world.  
He is open, honest and very committed with oodles of integrity.  
He really does want to give you the best advice possible that matches your needs and situation and never tires of endless questions.  
Finance, money, investments actually make sense with Howard.” 
Bev Jackson - hired Howard as a Financial Advisor in 2009 
“We have absolutely no hesitation in recommending Caroline J. Maguire of H.D. Consultants to any clients who wish to receive a superb financial service. 
Not only did we receive an excellent rate from the lender for our mortgage, we also reduced our term and well under our budget. 
Our Advisor was extremely knowledgeable on products available but more so most personable, friendly, and conscientious with all paperwork at every stage. Altogether, a stress-free experience! 
Mr & Mrs D Busby 6th September 2013 
Howard is an extremely knowledgeable and forward thinking financial services professional, from personal experience Howard has a vast knowledge of the financial services world and is well placed to ensure his clients are positioned in the best possible way and their financial needs are met.” 
Colin Gunnell, Regional Sales Manager (London), Personal Touch Financial Services, worked directly with Howard at H D Group of Companies 
I have worked with Howard and his team on many occasions and always found him to be knowledgeable and professional.  
He is good fun to be around and has a genuine desire to provide the best advice for his clients which is no doubt why he has such a successful track record.” 
Paul Besley - hired Howard as a Financial Advisor in 2004 
"As only a prospective client only, I was very grateful for the advice provided by Caroline and in such a down to earth but factual manner. 
I can now proceed to carry out the plan discussed and raise finance on a buy to let in due course. 
Many thanks" 
Edwin Gardiner 25th October 2013 
“I would recommend Howard as a financial adviser. 
He understands your needs and will do his utmost to get a positive response to your requests” 
Daniel Dancygier - Hired Howard as a Financial Advisor in 2012 
“Howard has helped me many times with a wide range of financial requests and he has always come up trumps - thank you Howard,” 
Euan Boyd-Wallis - hired Howard as a Financial Advisor in 1996 
Howard has become the only person I would turn to when needing financial planning advice or help. If it has been insurance, mortgages or the many other services he has provided me other the years I know Howard has only had my best interests in his mind.” 
Andy Green - hired Howard as a Financial Advisor in 2005 
Howard was recommended to me by a close friend when I needed a mortgage (2003). Since then I have used his services on several occasions and have always ended up with a sensible, value for money product. Howard and his network of associates are always professional and approachable.” 
Gary Coles - hired Howard as a Financial Advisor in 2003 
“I have known Howard for several years. I admire his enthusiasm and work ethic. He is easy to get along with and employs high moral standards.” 
Martin Wilson, ex-Chairman, Personal Touch Financial services Limited 
Howard is the consummate professional and I would recommend his work to anybody.” 
Justin Hawes, Regional Sales Manager, Personal Touch Financial Services Limited 
Howard is a positive, solutions based individual who will think out of the box to provide results for his clients and his team.” 
Dev Malle, Sales & Marketing Director, Personal Touch FS 
“I've worked with Howard, and known Howard for many years. Howard is an extremely driven and dynamic individual. He is creative and has been very innovative within his industry. I would have no problem recommending Howard for anything” 
Paul McGonigle, Owner, Positive Lending Limited 
"Howard's top qualities: Expert, Good Value, High Integrity" 
Danny Nieberg, Client, first hired Howard as a Financial Advisor in 2005 
"Hi Neil . Many thanks indeed for your prompt response and offer to refer me to Howard. I have actually emailed Howard and am just off the phone with Stephen, who works with Howard - who I must say was excellent. 
Many thanks again. " 
Steve Lampshire 14th October 2013 
Howard is the "go to" guy for all things financial. Howard sorted out my new mortgage and life insurance, improved the packages I hold and saved me money. 
Howard also keeps you updated in every step of the process. 
I cannot recommend Howard highly enough. Fantastic service and a pleasure to deal with. Howard is definitely on my Christmas card list.” 
David Crowley Aff CIBSE MBIFM, Client 
Howard is a devoted professional. He is passionate about best advice and client care. He has an eye for detail!” 
From our external Compliance Officer - Paul Cunningham, T&C Supervisor, Personal Touch Financial Services Limited 
“I provided compliance services for Howard and his team, during this time I found him and his team to be very aware of their responsibilities, an excellent eye to detail and a genuine desire to provide exceptional customer service. I have no hesitation in recommending Howard to any future business partners” 
From our external Compliance Officer - Neil Laughton, Owner, Clear Consulting 
“I began to work with Howard at H D Consultants over 5 years ago. I have enjoyed working with Howard over this time and hope to continue to work with him for the next 5 years! Howard is always extremely professional and dedicated to all his clients. I look forward to working with Howard on other areas over the coming months.” 
Emma Mason, Senior Account Manager, Goldsmith Williams Solicitors 
“I have no hesitation in recommending Howard Reuben and his company HD Consultants. In the many years I have worked with Howard I have always found him both professional & diligent in dealing with the tasks set. This, married to his friendly customer approach has & will prove a winning formula for his company.” 
Paul Flavin, Managing Director, Miura Financial Solutions Ltd 
“During the years I have known Howard, he has always acted in a very professional manner. I have found him to be very approachable, polite and helpful.” 
Lyn Perrett, IFA Business Development Manager, Personal Touch Financial Services Limited 
Howard knows and understands the business extremely well and is therefore in a position to offer a balanced and objective solution for his clients. He is reliable, driven and determined but maintains an affability which draws people to him and allows him to get to know his clients and their individual needs. His product knowledge is exceptional across types which allow him to tailor a complete solution for his clients which they can be confident will fulfil their requirements.” 
From Matthew Campbell, Client 
Howard is always looking for the best deal for his clients and provides the correct information first time so a quick decision can be made to everybody’s satisfaction.” 
Peter Turner, Commercial Director, AToM (All Types of Mortgages Ltd) 
“I have been involved in marketing and referrals with Howard for 5 years now and his enthusiasm and energy have always been admirable. Howard and I have many mutual clients, his service to them has always been first class.” 
Paul Twyford, Chartered Financial Planner, PT Financial Management Ltd 
“We have always found Howard a reliable, cost effective and efficient person to work with. He has been able to turn complicated requests around with the minimum of fuss and bother, and has the most brilliant "can do" attitude. Would strongly recommend him and his company!" 
Andi Baron , Client 
Howard is always looking to expand on opportunities, he is driven and dynamic in his attitude to achieving his goals. He has been very innovative within expanding his industry. I would have no problem recommending Howard for anything.” 
Amanda Wilson, Business Development Manager, U-tax Limited 
Howard meets his deadlines and his promises. A rare thing these days. Always striving to be one of the best as well as imaginative with solutions.” 
Stephen Oliver, Owner, The Will Company, worked with Howard at H D Group of Companies 
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