Mortgage advice
Mortgages for company directors
How lenders look at salary, dividends and company profit.
I'm a company director
The short answer
Company director mortgages, in plain English.
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.
Who it's for
Directors and shareholders of limited companies — including newer companies with a shorter trading history — who are buying, moving or remortgaging.
Prefer to explore first?
See all calculatorsWhat happens once I get in touch?
How company director advice works.
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Review your income
We look at your accounts, tax calculations and how you draw income from the company.
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Match lenders
We shortlist lenders whose way of assessing directors suits your figures.
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Apply
We get an agreement in principle, then submit the full application with your documents.
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Offer to completion
We keep the lender, solicitor and you updated until the mortgage completes.
Working with 90+ lenders, including
What will it cost, and what are the risks?
Costs and risks to know about.
Costs 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
Please read
Your home may be repossessed if you do not keep up repayments on your mortgage.
Who will I speak to?
Meet the Zinga team.
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Seema Babber
Mortgage and Protection Adviser
Email Seema -
Dylan Sidhu
Mortgage and Protection Adviser
Email Dylan -
Aditi Sinha
Mortgage and Protection Adviser
Email Aditi -
Arifa Shakoor
Mortgage and Protection Adviser
Email Arifa -
Case management
Kunjan Kunwar
Mortgage Case Manager
Email Kunjan - See all profiles
What clients say.
Reviews from Zinga clients across our services.
Many thanks to Arifa who quickly managed to get my mortgage application in principal then fully agreed. Great service thanks for your help.
Adviser: Arifa Shakoor-
She was always quick to answer my questions, proactive in finding solutions, and dedicated to securing the right terms for my financial situation.
Google reviewlovepreet singh
Adviser: Seema Babber
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She was always quick to respond, answered every question clearly, and made the whole mortgage process simple and stress-free.
Google reviewramandeep kaur
Adviser: Seema Babber
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From day one, Aditi went above and beyond to guide us through every single step.
Trustpilot reviewSayantan Chakravorty
Adviser: Aditi Sinha
Company director questions.
Didn't find your answer? Ask us directly.
How 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.
Still unsure?
Talk to an adviser.
Also worth a conversation.
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Personal protection
Life, income and critical illness cover, reviewed with your mortgage.
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Home insurance
Buildings and contents cover, arranged alongside your mortgage.
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First-time buyers
Deposits, affordability and each step explained before you commit.
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Remortgage
Review your options three to six months before your rate ends.