The first question most clients want to know at our initial meeting is how much can they borrow.  
 
Every lender has their own set of multiples.  
 
But what happens when you have complex income?  
 
Some lenders will only use a percentage of overtime, bonus, commissions, car allowance to name but a few. However, some lenders may take 100% of these. It all depends on how they view your income. 
 
I had a client recently who worked under an umbrella contract for the NHS. A high percentage of her income was overtime. Her partner was an electrician and his income was predominantly made up of overtime as well.  
 
The majority of lenders would lend them less than they required to purchase their home.  
 
However, I managed to secure them a lender who was able to lend them an additional £20,000 due to how they viewed their income.  
 
Had they gone to their high street banks, they would not have been able to achieve this. 
 
If you want to know what you can potentially borrow and have access to exclusive lenders and products not available on the high street, contact me today to discuss your case and review your income. 
 
Victoria Bennett 
Financial Consultant 
 
mobile 07305 396811 
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H D Consultants. Contact details here Live Chat webpage here Broker Log In / BrokerCentre here 
 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
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