For over 30 years, HD Consultants has supported clients across a wide range of professions—including day rate contractors—with expert mortgage advice tailored to their unique income structures. 
 
Contractors often face difficulties when dealing with traditional lenders. Many banks struggle to assess income that doesn't fit the standard PAYE model.  
 
That's where HD Consultants steps in. With deep industry knowledge and decades of experience, our advisers know exactly how to present your case to specialist lenders who understand the contracting world. 
 
We don’t rely on a one-size-fits-all approach.  
 
Instead, HD Consultants take the time to understand your day rate, contract terms, and history of assignments. This allows us to access lenders who assess affordability based on your actual earnings, not outdated criteria. 
 
Whether you're a seasoned contractor or just starting out, we guide you through every step—helping you secure competitive mortgage deals with minimal hassle.  
 
We’ve built strong relationships with banks and specialist lenders who recognise and trust our expertise. 
 
Over three decades of experience means we’ve seen it all—and we know how to solve even the trickiest mortgage challenges. 
 
Let HD Consultants take the stress out of your mortgage journey, so you can focus on what you do best. Reach out today for advice you can trust. 
 
John Constant, CeMAP 
john@hdconsultants.net 
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H D Consultants. Contact details here Broker Log In / BrokerCentre here 
 
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 is an Appointed Representative of PRIMIS Mortgage Network, which is a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. 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, national nominees and award winners for our professional mortgage services;