There are many options in the market to help first time buyers take that first step on the property ladder. Knowing which lender to go to in order to meet your eligibility, affordability and borrowing potential can be a complex process which is why HD Consultants are here to help you every step of the way. 
 
Some lenders offer income boosters to help you meet the lenders affordability criteria 
There are lenders that will allow borrowing if you have less than perfect credit such as CCJ's, defaults or missed / late payments 
 
100% mortgages are also a feature for one lender who will factor in what you are paying in rent as part of their affordability calculation 
 
There are options for joint borrower sole proprietor where you can have additional people on the mortgage to help boost the affordability 
 
If your payslips include lots of increments such as over time, London weighting and equivalents, unsociable hour pay etc, we know the lenders that can take 100% of this to help boost your income 
 
What ever the circumstances,our team of experienced brokers have access to the lenders business development managers and can talk through your case before any application is placed making sure you are given the best options possible, 
 
We look forward to working with you in 2024! 
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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.  
FP Ref: 1436009 / exp 25.08.2025 
Long established, recognised and national nominees and award winners for our professional mortgage services; 
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