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 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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