Are you a big hitter when it comes to BTL properties with an income to match? Are you looking for a new, large mortgage, either BTL or residential? Are you concerned that BTL income cannot be used for a residential mortgage? 
 
And if you are looking for a larger than normal mortgage, what should you be looking for, from a lender and your broker? 
 
The good news is that whilst some lenders don't allow income derived from BTL rental income, other lenders do. No doubt, you'll have your Tax Calculations for the past 3 years that will show your profit after all deductions and this will be the starting point for income assessment. 
 
Most lenders have dedicated units for large loans, and they aim to get you to offer stage in double quick time. Many people may have multiple income streams, so along with BTL income, there may well be income from other investments or pensions as well as earned income, that need specialist consideration. You will still need to meet the lender requirements though, so a broker will be indespensible. 
 
Speaking of brokers, independent brokers can provide a choice from the High Street and further afield. Some of the major players, High Street names linked to major Estate Agents, only have access to a relatively small panel of lenders - some as few as 11 lenders! They can still call themselves independent, but they are not really offering a wide choice. 
 
The most important feature that you'll need, I think, is a bespoke, personalised service. You should be a name, not a number. 
 
I can only speak for our company, but when you deal with us, you'll deal with the same person, time after time who will know and understand you and your situation; you'll have their direct contact details and you will be dealing with vastly experienced brokers who take pride in providing a top notch service. This goes without saying. 
 
However, this is not just the service that we provide for HNW individuals, everyone benefits whether you want a million pound mortgage or a mere £25,000. 
 
So, do you need to speak to someone about a mortgage, big or small? Give me a call on 07751 042485 for your next purchase or remortgage. 
 
John Constant 
 
 
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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. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which 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 accepts no responsibility for the content of these sites.. 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: 1425988 / 28.01.2021 
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