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The new home of holiday let mortgages

HCH Financial Services

Holiday Cottage Handbook and HD Consultants have joined forces to create a new platform dedicated to providing holiday let mortgages.


HCH Financial Services offers access to a comprehensive range of holiday let mortgage products, in addition to providing all types of life insurance, will writing, and other services.


Holiday Cottage Handbook shares valuable free education with short-term rental hosts, property managers, and industry professionals. Since launching in September 2023, the platform has built a highly engaged audience through its weekly podcast and newsletter.


HD Consultants is an award-winning, multi-adviser firm operating across several markets, including holiday lets, residential mortgages, buy to let, commercial finance, bridging finance, equity release, life insurance, wills, and estate planning.


HCH Financial Services aims to cater for the buoyant holiday let sector in the UK – which has experienced rapid growth in recent years.


James Varley, Founder, Holiday Cottage Handbook, said: “We are delighted to launch HCH Financial Services in partnership with HD Consultants. Over the last three decades, Howard Reuben and his team have developed an award-winning service that is renowned for delivering outstanding value for its clients.


“This new partnership will specifically cater for holiday let investors – a sector of the market we are dedicated to supporting with valuable free education, including tips, trends, and best practices. We are certain our growing audience will find exceptional value in working with HCH Financial Services.”


Howard Reuben, Owner, HD Consultants, said: “Combining James’s expertise and experience as a property investor in the holiday let sector, and his outstanding knowledge and skills in the world of publishing and media, together with the sector specific knowledge that my team of qualified, trained, and professional mortgage and insurance advisers provide, we are excited to unveil HCH Financial Services.


“This alliance is founded on a common objective to help, support, guide, and plan a holiday let property and finance strategy for our clients. We’ve been a company of advisers for more than 30 years and we prioritise long-term relationships, starting with arranging finance and continuing with regular reviews and advice.”

To support the new brand, Holiday Cottage Handbook has launched a new podcast series dedicated to holiday let mortgages. The monthly HCH Mortgage Podcast will keep investors, hosts, and property managers informed about the latest products and highlight case studies.


Samantha Turmaine will be heading up HCH Financial Services. A specialist mortgage adviser with a wealth of experience in the finance and property sectors, Samantha will be a regular guest on the new podcast series.


“I am excited to join Howard and the HD Consultants team, embarking on a partnership with

James and Holiday Cottage Handbook to introduce HCH Financial Services,” said Samantha.


“This collaboration reflects our ongoing commitment to enhancing services and expanding

our range for both current and prospective clients – which is testament to our market-driven



“With more than a decade of expertise aiding holiday let purchasers and current owners, my

experience spans first-time buyers, first-time landlords and the occasional second home

renter, all the way through to seasoned landlords managing multiple properties. This positions me perfectly to assist clients in securing tailored solutions while offering comprehensive financial guidance.”


HCH Financial Services is the new home of holiday let mortgages. Visit to book an appointment with one of our brokers. For further details, call 0333 12345 36 or email

If you are interested in collaboration and advertising opportunities with HCH Financial Services, email


HCH Financial Services is a trading style of HD Consultants which is an Appointed Representative of PRIMIS MORTGAGE NETWORK, which is authorised and regulated by the Financial Conduct Authority. The range of financial services presented is provided by HD Consultants – an award-winning, multi-advisor firm of mortgage brokers. HD Consultants was established in January 1993 and is authorised by the Financial Conduct Authority (No. 403701).

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