Mortgages
Mortgages for company directors
How lenders look at salary, dividends and company profit.
- No obligation
- Takes 2 minutes
- Speak to a real adviser
- FCA regulated
- Whole-of-market
- 90+ lenders
- Personal adviser support
The short answer
Company directors, explained in plain English.
Written by Arifa Shakoor, mortgage and protection adviser
Updated
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 this is for: Directors and shareholders of limited companies — including newer companies with a shorter trading history — who are buying, moving or remortgaging.
Your options
Your adviser compares these with you and explains the trade-offs before you decide.
Salary and dividends
Most lenders use the income you have drawn, from your tax calculations and tax year overviews.
Share of net profit
Some lenders use your share of the company’s profit, including profit kept in the business.
Shorter trading history
Some lenders will consider one year of accounts rather than two.
How it works
From first call to completion.
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01
Review your income
We look at your accounts, tax calculations and how you draw income from the company.
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02
Match lenders
We shortlist lenders whose way of assessing directors suits your figures.
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03
Apply
We get an agreement in principle, then submit the full application with your documents.
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04
Offer to completion
We keep the lender, solicitor and you updated until the mortgage completes.
Before you start
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
Risks
Your home may be repossessed if you do not keep up repayments on your mortgage.
We explain the risks of any recommendation in writing before you proceed.
01How many years of accounts do I need?
Usually two, though some lenders will consider one year. We check which lenders fit your trading history.
02Can 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.
03Do I need an accountant?
Many lenders want figures prepared or confirmed by a qualified accountant, so it helps to have one involved early.
Mortgage enquiry
Talk to an adviser about company directors.
Takes about two minutes. An adviser will be in touch to talk through your options.
- 1What you need
- 2Property details
- 3Your details
- ✓Adviser follow-up
Why people enquire with us
- A named adviser and case handler look after your case
- We compare lenders across the market, not just one bank
- FCA regulated — firm reference 752191
- Phone, WhatsApp, video or at our Uxbridge office
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