Howard Reuben 
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 Association of Bridging Professionals 
• Member of The Society of Will Writers and Estate Planning Practitioners 
• Howard's designations include Cert PFS, Certs CII (MP & ER), aff.SWW 
Contact Howard: 01206 577 266 mobile: 07774 633 639 email: 


Stephen Pears 
Sector specialism; Residential Mortgages, Life Cover, Commercial Finance, Business Protection Assurance, BTL mortgages and Bridging Finance & Short Term Lending 
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: 
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John Constant 
Sector specialism; Residential Mortgages, FTB Advice, Life Cover, Business Protection Assurance,  
Buy To Let mortgages, Wills and Estate Planning, Bridging Finance & Short Term Lending 
Office base - Local Office, Clacton on Sea, Essex 
Client meetings held at HO, or at our Clients' homes or offices nationwide 
My name is John Constant and I have been a Financial Consultant for the past 12 years.  
During my time as a Mortgage and Protection adviser, I have been both employed and self-employed. My time as an employee (around 18 months) saw me working for a well-known national Estate Agency, where I specialised in mortgages and protection for those who were looking to move to a new home. Another significant area of my work during this time was the BTL market, which accounted for around 40% of written business. 
Contact John: 01206 577 266 mobile: 07751 042 485 email: 
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Caroline Maguire 
Sector specialism; Mortgages, Life Cover, Business Protection Assurance, BTL mortgages, 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. 
In addition to being a Financial Consultant I am also a 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: 
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Oana Salomie CeMap 
I joined HD Consultants in July 2017 with a lot of confidence that I will now be achieving 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 cinema. 
Contact Oana; 01206 577 266 mobile 07961 958 740 email; 
Jenny Reeves CeMap 
I have been involved with the mortgage industry since 2013, first as an administrator and then as an advisor. I am a CeMap Qualified advisor and have worked in various sectors of the mortgage and insurance industry, previously specialising in both New build and shared ownership schemes. 
For me there’s a real enjoyment to helping other people achieve that next step, whether it’s a new home, raising funds for that dream they are trying to fulfil or to help sort out a difficult financial situation. I like to problem solve which is a large part of my role, and it’s great to know how much my clients appreciate my help. 
I live in Essex love living close to my extended family, our door is always open for a visit and friends and family often pop in. I am married with 2 children who are fast becoming young adults. 
Contact Jenny: 01206 577 266 mobile 07581 794 922 email; 
John Stallan CeRER 
I joined the team at HD Consultants in January 2017, following a successful career spanning 30 years in a man-management role where the focus was on exceptional service delivery to enable client fulfilment. 
I am qualified to offer advice on Mortgages, Personal Protection and Lifetime Mortgages / Equity Release and hold CeMAP and CeRER certifications. 
Having been a property owner for the past 30 years and experiencing high and low interest rates, property booms and crashes, I understand the importance of receiving honest, straight-talking advice. 
I take pride in my work and believe that keeping my clients updated on the progress of their ‘case’ at all times is a matter of the utmost importance. 
Outside of work I enjoy cycling, motoring and supporting my local football team. 
Contact John; 01206 577 266 mobile 07788 219 647 email; 


Diane Reuben 
PA To Principal, Office Manager 
Diane brings a wealth of experience to the role of Office Manager following several years of running her own businesses in the retail and service sectors. 
Working in a similar role in a leading dealership for one of the world’s largest prestigious motor brands, Di knows what it's like to support staff and salespeople alike. 
Contact Diane: 01206 577 266 email: 
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Eve Firmin 

Senior Administrator 
In April 2015 I joined the team at H D Consultants as a back office support Administrator. 
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 the H D Consultants' Brokers with our Clients' mortgage and protection applications.  
I am married with two young daughters and any spare time I have is usually spent on my allotment or out walking my dog. 
Contact Eve: 01206 577 266 email: 
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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.  
We provide initial advice for free and without obligation. Only if the customer chooses to proceed and their case completes would a typical fee of up to 2% of the amount released be payable. For example, if the maximum threshold of 2% was charged, a fee of £1,500.00 would be payable based on a gross mortgage advance of £75,000. Our typical fee is £500.00. 
To contact an 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.  
By clicking "Submit" I/we expressly consent to be contacted with a view to bringing to my/our attention in the future, products or services that may be of interest to me/us: 
- Mortgage products not linked to my/our existing arrangement 
- Any other products and services 
Would you like to consider a career with H D Consultants? Click here for an insight into our Company and details of current opportunities. 
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