Finding the best mortgage solution for you rarely comes ‘off the shelf’.

This month’s guest blog comes from our professional connection H D Consultants, provided by principal and founder Howard Reuben.

Having been a financial adviser focusing on mortgages and protection for nearly 27 years, I’ve had the pleasure to work with a wide range of clients including families, businesses, sole traders, individuals, couples and a plethora of other permutations. Over the years, I’ve helped to plan, design and implement strategies and ongoing reviews for home purchases, BTL portfolios, business protection, and all types of family and mortgage life cover too. And the one thing that all these cases have in common is that every one is different.

Because of the variables involved – income amounts and structures vary, employment contracts differ, credit statuses and payment histories are all unique; as are ages, health, and future aspirations – picking a mortgage or a life insurance policy ‘off the shelf’ (or via the comparethefurryanimal online shops) can lead to a world of tro