Looking for a flexible lender? Quantum might be the answer! 
Quantum Mortgages are a specialist lender focusing on the needs of experienced landlords. They have a flexible approach when it comes to their underwriting which is so important when you have a complex property or portfolio.  
HD Consultants have a fantastic relationship with Quantum and have direct access to underwriters who take a common sense approach to their underwriting rather than the “computer says no” scenario. 
Some of the reasons why Quantum are the go to lender for specialist cases: 
• Day 1 remortgages up to 80% open market value without proof of works 
• Flats above or adjacent to any commercial premises including food and alcohol 
• Multi Unit Block for holiday lets 
• Multi Unit Block with no averaging of the size of the rooms 
• No minimum income 
• Ex local authority houses and flays with owner occupation below 50% 
• Leasehold properties must have an unexpired term of at least 35 years 
• Single unit, HMO and MUB up to 6 units in Norther Ireland 
• Studio flats less than 30 square meters 
• HMO and MUB’s up to 12 units 
• But to Let investor led developments 
• No maximum storeys for high rise 
• No maximum age 
• Semi commercial which consists of at least 60% residential 
HD Consultants is a long-established firm of BTL experts and we have helped a huge number of BTL landlords over many years. Can we help you too? 
Contact me by email to victoria@hdconsultants.net 
Victoria Bennett 
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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 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 
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H D Consultants has selected Alzheimers Research UK as our chosen Charity of the Year 2023. Alzheimers Research UK is the UK’s leading dementia research charity dedicated to making breakthroughs possible. Their mission is to bring about the first life-changing dementia treatment by 2025.. 
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