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How to get a mortgage being a Limited Company Director
As a limited company director, you are twice as likely to be declined for a mortgage as someone who is employed.
Most high street banks and mortgage brokers get nervous when they have a Limited Company Director approach them for a mortgage.
Mistakenly labelled as “more difficult”, you’ll be pigeonholed into the “higher risk” category, resulting in unnecessary delays and rejected mortgage applications.
Well, don’t be disheartened…you’re about to witness the power of having a team of Limited Company Director Experts fighting your corner!
Our unique approach involves manually underwriting mortgages with common sense, without relying on credit scoring. This, along with our deep knowledge of Limited Company Director mortgages brings solutions you never thought possible.
If you want to take advantage of getting a mortgage approved based on your limited company’s profits, then you’ve come to right place.
Our lenders love Limited Company Directors, and with exclusive deals at high street rates, your mortgage dreams can finally become a reality.
What documents do limited company directors need for a mortgage application?
When you apply for a mortgage as a limited company director, lenders want to understand both your personal and business finances. The documents you’ll usually need include:
- Company accounts: Most lenders ask for at least two years of accounts, ideally prepared by a qualified accountant.
- SA302s and tax overviews: These HMRC documents show your income and tax paid. Some lenders accept one year of figures, especially if the business is growing.
- Business bank statements: Help underwriters see how your company manages cashflow and handles expenses.
- Personal bank statements: Used to check personal spending and confirm income credits.
Having everything organised upfront makes the application process much smoother and reduces the risk of delays.
How is my income as a limited company director assessed when applying for a mortgage?
Lenders look at your income differently if you’re a company director compared to someone on PAYE. The most common ways they calculate your borrowing power are:
- Salary + dividends: Many lenders use your salary plus dividends taken from the business to work out affordability.
- Salary + net profit (before tax): Some specialist lenders consider your share of net profit before tax , which can boost how much you can borrow if you retain money in the company.
- Salary + net profit (after tax): Some lenders will assess your share of net profit after tax alongside your salary, potentially increasing your borrowing power.
- Average of the last two years or just the latest year: High street lenders often use an average, while others we partner with will accept the latest year if it’s stronger.
This is where specialist advice matters. Choosing the right lender for your income structure can make a big difference to the outcome.
How We Help Limited Company Directors Borrow More
As a specialist broker for limited company directors , we understand how company accounts work and which lenders view them most favourably. Our approach helps limited company directors borrow more by:
- Matching you with lenders who accept retained profits: This can significantly increase your borrowing power compared to salary and dividends alone.
- Presenting your case clearly to underwriters: Our team explains any income fluctuations or reinvested profits so lenders see the full picture.
- Using the most up-to-date figures: If your latest year shows growth, we focus on that rather than older, lower earnings.
The result? A smoother application process and mortgage offers that truly reflect your business success.
Why Work With Us
Here are just a few ways we’re DIFFERENT from other companies
Self-Employed
Specialists
Specialists
In-House
Underwriting
Underwriting
Borrow
More Money
More Money
Proven
Success Rate
Success Rate
Limited Company Director Success Story
Sally runs one of the fastest-growing limited companies in the UK. She approached us to purchase her forever home with her partner, Toby. After being told by her bank it wasn’t possible, find out how we made it happen.
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Here’s the SIX STEPS to GUARANTEE Self-Employed Mortgage SUCCESS
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Limited Company Director
Our expert Callum says “Being a Limited Company Director is fantastic especially when you need a mortgage! We have a variety of ways we can use your income to ensure you achieve the mortgage amount you’re looking for”.
Ask our Experts
Yes, we charge a one-off broker fee when your mortgage is accepted by the lender. At this stage your application has been submitted, they’re happy with your paperwork and their surveyor has valued your property. At this point, you’ll be sent a formal mortgage offer which is a legally binding document to confirm the mortgage is approved. We’ll then invoice for our broker fee of £1,995.
Typically, it takes 2-4 weeks to get your application approved by the lender. The quickest we have turned an application around is just 48 hours! If speed is important, then tell your expert and they’ll match you with the right lender to ensure it gets accepted as quickly as possible.
As a rule of thumb, lenders restrict the amount you can borrow to 5 x your personal income. Being experts in Company Director mortgages, we have access to lenders that will lend significantly more! Use our quick calculator to get an estimate based on your self-employed earnings.
The answer to this is simple. Yes! It’s not a question of whether you can get a mortgage, it’s more about how quickly you can get the mortgage you’re looking for. Our unique service for Company Directors provides all the best shortcuts out there to bring you the best mortgage options in the quickest timeframes possible.
This depends on the lender your expertly matched with. As a minimum we require proof of ID, proof of address and proof of deposit. In addition, we’ll need your last 3 months personal bank statements along with your business bank statements. To verify your income we’ll need either tax calculations (otherwise known as SA302) or your last 2 years company accounts.
We are so confident your application will be approved that you’ll receive £250 Amazon vouchers if we don’t. That’s the New Wave Guaranteee. We also take all the risk so you don’t have to… this means you don’t pay us a penny if we’re not able to secure the mortgage we promised.
Most lenders require at least 10%, but putting down 15–20% can secure better rates and more lender options. For those with just 5% deposit, getting a mortgage is possible however the rates are higher and options are limited.
Yes, some specialist lenders accept one year, especially if you have strong future contracts or growing profits. For more information, head to our One-Year Trading Mortgages page.
Not always. With the right lender, rates can be just as competitive as standard residential mortgages.
Some lenders do consider retained profits, particularly if you own at least 25% share of the company. This is where using a specialist broker can open more options
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