What a nightmare! 
If you are super busy from Jan to June and get most of your income then, you will only get a chance to go house hunting in your slower months. 
What does this mean when the mortgage lenders assess your case? 
Not enough current income showing on your bank statements to support your tax calculation income. 
Yes, that’s pretty much how it works! 
However, we speak to lenders and work with them to create exceptions or variations in their criteria so that we can get more of our cases over the line. 
One such lender will assess more than just the last 1-3 months. They will look at the whole year, so we can show income! 
Another lender we have been working with will completely disregard bank statements for the right clients and just use the last 2 years tax calculations! 
This has been ground-breaking for those on a self-employed or contractor income. 
These changes mean that many more of our clients have not had declines and are now the proud owners of a mortgage offer! 
Just to blow one’s own trumpet, our continuing high quality of work and compliance working with these lenders means we are able to talk with the decision makers and ensure we help as many people as possible. Working with the lenders will always be more successful than just chucking it in at a lender and hope. 
Get in touch to assess your chances of a residential mortgage. We will always do everything we can to help you win. 
Austyn Johnson 
07500 871 209 
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VH 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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