Personal protection
Life, income and critical illness cover, reviewed with your mortgage.
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Mortgages
Mortgages for company directors
How lenders look at salary, dividends and company profit.
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Within 2 working hours
Chapter 01
The short answer on company director mortgages
If you own a significant share of a limited company (usually 20–25% or more), lenders treat you as self-employed. Most look at the salary and dividends you've drawn over the last one or two years. Some can use your share of the company's net profit instead, which can help if you leave money in the business. We find lenders whose approach fits how you pay yourself.
Chapter 02
Options for company directors
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Salary and dividends
Most lenders use the income you have drawn, from your tax calculations and tax year overviews.
Discuss this option: Salary and dividends -
Share of net profit
Some lenders use your share of the company’s profit, including profit kept in the business.
Discuss this option: Share of net profit -
Shorter trading history
Some lenders will consider one year of accounts rather than two.
Discuss this option: Shorter trading history
Chapter 03
How company director advice works
Step 1
Review your income
We look at your accounts, tax calculations and how you draw income from the company.
Step 2
Match lenders
We shortlist lenders whose way of assessing directors suits your figures.
Step 3
Apply
We get an agreement in principle, then submit the full application with your documents.
Step 4
Offer to completion
We keep the lender, solicitor and you updated until the mortgage completes.
Chapter 04
Company director costs and risks
What to budget for
- Deposit
- Lender product fees
- Valuation and legal fees
- An accountant’s reference or certificate, if the lender asks for one
- Our fee, if any — explained in writing first
Chapter 05
Protect your plans
Home insurance
Buildings and contents cover, arranged alongside your mortgage.
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What clients say
Reviews left for Zinga on Google and Trustpilot.
She was always quick to respond, answered every question clearly, and made the whole mortgage process simple and stress-free.
From day one, Aditi went above and beyond to guide us through every single step.
Great experience easy to deal with
90+ lenders, including
Chapter 07
Questions about company director mortgages
Didn't find your answer? An adviser can help.
Request a callbackHow many years of accounts do I need?
Usually two, though some lenders will consider one year. We check which lenders fit your trading history.
Can lenders use the profit I leave in the company?
Some can use your share of net profit rather than just salary and dividends. It depends on the lender and your accounts.
Do I need an accountant?
Many lenders want figures prepared or confirmed by a qualified accountant, so it helps to have one involved early.
Chapter 08
Talk to an adviser
Tell us a little about your plans and we'll call you back.
