Limited Company Director
Mortgages
Stop being penalised for tax efficiency. We work with lenders who use your net company profits - not just salary and dividends - letting you borrow up to 40-80% more.
Kensington
Net profit approach
Aldermore
1 year accounts
Precise Mortgages
Complex income
Vida Homeloans
Contractor specialists
Halifax
Competitive rates
Accord
Flexible criteria
Why Company Directors Love Working With Us
We understand the unique challenges of being a tax-efficient company director seeking a mortgage
Use Net Profits, Not Just Dividends
Lenders can assess your income on salary plus your share of company net profits - not just what you've withdrawn. This can dramatically increase your borrowing capacity.
Stay Tax Efficient
Keep your salary at the NI threshold and retain profits in your company. You can still get the mortgage you need without paying unnecessary taxes.
Retained Profits Count
Left money in the business for growth or rainy days? Specialist lenders understand this represents real earnings and will factor it into their calculations.
1 Year Accounts Accepted
Some lenders only need 12 months of trading history. Don't wait years to buy - we'll find a lender who understands newer businesses.
The Hidden Cost of Being Tax Efficient
Most banks only see what you withdraw, not what you actually earn. Here's how this affects your borrowing.
Low Salary (NI Threshold)
£12,570
Minimal Dividends
£40,000
Retained Profits
£80,000
Real Example: Sarah's Marketing Agency
Sarah runs a digital marketing agency. She's tax-efficient, keeping salary low and retaining profits for business growth.
High Street Bank Says...
Maximum Borrowing
£259,065
Apply Wise Finds...
Maximum Borrowing
£562,815
*After corporation tax deduction
Calculate Your Borrowing Power
Enter your figures to see how much more you could borrow using the net profit approach
Traditional Lender (Salary + Dividends)
Income: £57,570
£259,065
Specialist Lender (Net Profit Approach)
Income: £134,070
£603,315
You Could Borrow
£344,250 MORE
133% increase
How Different Lenders Assess Your Income
Not all lenders are created equal. Here's how we match you with the right one.
High Street Banks
Salary + Dividends
Traditional banks typically only consider what you've physically withdrawn from your company.
Calculation
Salary drawn + Dividends taken
Pros
- Competitive rates
- Wide product choice
- Quick decisions
Cons
- Ignores retained profits
- Lower borrowing
- Penalises tax efficiency
Best For
Directors who draw most profits as dividends
Specialist Lenders
Salary + Share of Net Profit
Calculate income based on your ownership share of company profits, after corporation tax.
Calculation
Salary + (Net Profit × Shareholding %)
Pros
- Higher borrowing
- Rewards success
- Tax efficiency friendly
Cons
- Slightly higher rates
- More documentation
- Specialist knowledge needed
Best For
Tax-efficient directors with retained profits
Contractor Specialists
Day Rate / Contract Value
For IT contractors and consultants, some lenders use your day rate multiplied by working weeks.
Calculation
Day Rate × 5 days × 46-48 weeks
Pros
- Maximises income
- Simple calculation
- Works inside/outside IR35
Cons
- Contract must have time remaining
- Limited lender choice
- Needs specialist broker
Best For
Contractors with strong day rates
What Documents Will I Need?
We'll guide you through gathering everything - here's what to expect
SA302 Tax Calculations
HMRC tax calculations for 2-3 years (or 1 year minimum)
Download from your HMRC online account
Tax Year Overviews
Confirms your tax position with HMRC
Available alongside your SA302
Company Accounts
Full statutory accounts prepared by your accountant
Must show net profit figures clearly
CT600 Corporation Tax Return
Shows company profits submitted to HMRC
Some lenders require this to verify accounts
Business Bank Statements
3-6 months of company account statements
Shows business is trading actively
Accountant's Reference
Letter confirming projected income (if required)
Useful for newer businesses or varying income
What Lenders Consider From Company Directors
Director income is rarely straightforward. These are the factors that decide which lenders will work for you.
Your shareholding
Holding 20% to 25% or more of a company usually means a lender treats you as self-employed rather than employed, which changes how your income is assessed.
Which income figure is used
Some lenders use salary plus dividends drawn. Others will use salary plus your share of net profit after corporation tax, which can produce a very different result.
Accounts and trading history
Most lenders want two to three years of finalised accounts prepared by a qualified accountant. A smaller number will consider one year.
Trend and consistency of profits
Lenders look at the direction of travel. Rising profits are viewed differently to falling profits, and a sharp drop will usually need explaining.
Lending criteria vary between lenders and change regularly. We will tell you honestly what is realistic for your circumstances.
Company Director Mortgage FAQs
Get Your Company Director Mortgage Quote
Tell us about your business and we'll show you how much you could really borrow