SPECIALIST ADVICE
Limited-company director mortgages
Salary and dividends do not always reflect the full strength of a profitable company. We identify lenders able to consider the income evidence most appropriate to your ownership, drawings and business performance.
Show lenders the strength behind the payslip
Salary and dividends do not always reflect the full strength of a profitable company. We identify lenders able to consider the income evidence most appropriate to your ownership, drawings and business performance.
Salary and dividends
Use the conventional income calculation where it accurately reflects available earnings.
Share of profit
Consider lenders able to assess your share of net profit where appropriate.
Retained profit
Explore cases where funds retained in the business demonstrate additional capacity.
Recent growth
Present improving performance clearly without ignoring sustainability or commitments.
Limited-company director mortgages FAQs
How many years of accounts do I need?
Many lenders prefer two or more years, but some can consider a shorter history depending on the full case.
Can retained profit be used?
Some lenders may consider retained profit or profit before tax, subject to ownership, accounts and an accountant’s evidence.
Will taking a small salary reduce my options?
It can with lenders that use only salary and dividends, which is why lender selection and accurate income analysis matter.
YOUR SMART MORTGAGES CONTACT
Discuss your plans with the right adviser.
Aaron leads complex company-director cases.