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Company Director Mortgage Specialist

Mortgages for Company Directors

Directors often earn far more than their P60 suggests. We find lenders who assess dividends, retained profits, and the full financial picture of your business, not just a modest salary.

Dividends countedRetained profit considered1-year accounts from some lendersNo upfront fees
Prefer to call? 0844 884 9748 (Mon-Sat 9am-7pm)
Step 1 of 3Type Selection

What type of mortgage do you need?

Select the option that best describes your property financing requirement. Our brokers specialise in complex London and international structures.

Roger Cooper

"Our goal is to understand your unique situation. Select a category and we'll match you with the right product and lender."

— Roger Cooper, Senior Mortgage Adviser

Why company directors need specialist mortgage advice

Director income rarely fits into standard affordability models. The wrong lender can underestimate your income significantly.

Dividends counted alongside salary

Most lenders accept salary plus dividends as income, but the quality of assessment varies significantly. We find lenders who include your full dividend drawings, not just what appears on a basic HMRC check, to maximise your borrowing capacity.

Retained profits considered

Some specialist lenders will look at retained profits sitting within your limited company as part of your overall financial position. This can significantly increase affordability for directors who have been reinvesting in their business rather than paying out dividends.

One year of accounts from some lenders

Most lenders want two years of accounts, but some specialist lenders will consider directors with just 12 months of trading history. This is particularly useful for directors who have recently incorporated or restructured their business.

Multiple income streams handled

Directors often have several income streams: salary, dividends, rental income, other business interests. We find lenders who will consider all legitimate income sources and present your application in a way that reflects your full financial picture.

Director loan accounts understood

Director loan accounts can complicate a mortgage application if a lender does not understand how they work. We select lenders whose underwriters are familiar with director loan structures and will not treat an outstanding DLA as simply an unexplained debt.

High earners who look low-income to banks

A common director problem: you earn well but your personal income on paper looks modest because you have structured your affairs tax efficiently. We know which lenders look at net profit or broader company financials, not just salary plus dividends on a P60.

How it works

From first enquiry to mortgage offer, we handle everything. Director applications require more preparation but we know exactly what lenders need.

01

Tell us about your company structure and income

We review your salary, dividends, company accounts, and any retained profits or other income streams. We also look at how many years of accounts you have and whether there are any director loan accounts to consider.

02

We identify lenders who assess director income correctly

We search 90+ lenders and shortlist those whose underwriting genuinely reflects director income. Some lenders use net profit, some use salary plus dividends, and some consider retained profits. We choose the approach that gives you the best outcome.

03

We explain your options clearly

We present the best mortgage options with rates, monthly costs, and total cost over the deal period. We also advise on deal structures, such as offset mortgages, that can be particularly useful for directors managing variable cash flow.

04

We handle the full application

We submit your application and manage it through to mortgage offer. Director applications are more complex than standard employed cases and require careful preparation. We know exactly how to package your accounts and income evidence to avoid unnecessary queries from underwriters.

Company director mortgage FAQs

How do lenders assess income for company directors?
The most common approach is salary plus dividends over two years, averaged to produce an income figure. Some lenders use the most recent year if it is higher. Others look at net profit from the company accounts if you have not drawn all the available income. A smaller number of lenders will also consider retained profits within the business. We choose the assessment method that gives you the highest borrowing capacity.
Can I get a mortgage with only one year of company accounts?
Yes, some specialist lenders will consider directors with just one year of accounts, particularly if you have a strong track record in your industry before incorporating. It is more limited than having two years of accounts but it is not impossible. We know which lenders are willing to consider one-year trading history and what supporting evidence they need.
I keep profits in my company rather than paying dividends. Does that count towards my mortgage?
With the right lender, yes. Some specialist lenders will look at net profit from your company accounts rather than just salary plus dividends you have actually drawn. This means that even if you have been reinvesting in your business, your retained earnings can still help you secure a larger mortgage. This is one of the most valuable things a specialist broker does for directors.
My company has a director loan account. Will that cause problems?
It depends on the balance and direction of the loan. If you owe money to the company (an overdrawn DLA), lenders will treat this as a liability. If the company owes money to you, it is a company asset and less of a concern. Some lenders are more comfortable with director loan accounts than others. We explain the position clearly to underwriters and select lenders who understand DLA structures.
I own multiple businesses. Will lenders count income from all of them?
Potentially yes. If you have active income from multiple businesses and can provide accounts for each, some lenders will aggregate this income. Others will only consider your primary company. We review all your income sources and find lenders who take the most complete view of your earnings, which is particularly important for serial entrepreneurs or directors with multiple ventures.
Does it matter what type of company I have?
Most director mortgages assume a UK private limited company (Ltd). LLPs, partnerships, and foreign company structures add complexity but are still manageable with the right lender. Share structures, multiple directors with different shareholdings, and holding company arrangements all affect how income is assessed. We review your specific structure before approaching any lender so there are no surprises.

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Ready to find your director mortgage?

Get your free consultation today. We understand company director income structures and find lenders who assess your full earnings.

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