Limited Company Director Mortgages
If you're applying for a mortgage as a Limited Company Director, the process can be more complicated than a standard application. Our experienced advisers specialise in navigating the complexities to find you the right deal.
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Can a Company Director Get a Mortgage?
If you're a company director hoping to get a mortgage, it's easy to get overwhelmed with where to start. It can be challenging to navigate the different criteria of hundreds of mortgage lenders, especially when not many are suitable for self-employed applicants and the choices become even narrower for Limited Company Directors.
The good news is there are plenty of lenders who specialise in providing mortgages to Limited Company Directors. It's essential to remember that each lender has different criteria, so even if you've previously been rejected, there could still be hope.
How Lenders Assess Your Income
Assessing affordability is different for a Limited Company Director compared to a typical employed mortgage application. Understanding how different lenders assess your income can make a massive difference to how much you can borrow:
Salary + Dividends Only
Most high-street lenders assess affordability based only on your director's salary plus dividends withdrawn from the business.
Share of Retained Profits
A growing number of specialist lenders will consider your share of retained profits (net profit remaining in the business) as part of your income.
Company Net Profit
Some specialist lenders will assess your share of total company net profit, potentially allowing you to borrow significantly more.
Contract Day Rate
For contractors, some lenders can use your day rate to calculate annual income, provided you have a strong, ongoing contract.
Real Example: The Difference Can Be Huge
If your company made £250,000 profit but you withdrew £50,000 (salary + dividends), a standard lender might let you borrow up to £250,000. However, a specialist lender considering your share of company profit could allow up to £1,250,000, a massive difference.
How Much Deposit Do You Need?
The deposit requirements for a company director are no different to that of an employed applicant. Those who tick all the right boxes in terms of affordability and good credit history can access maximum loan-to-value (LTV) ratios up to 95%.
You'll require a larger deposit for more complex mortgage applications, such as poor credit or limited trading history. With a 15-30% deposit and a good credit history, you'll gain access to most specialist lenders with lower interest rates and flexible terms.
5%
Good credit & history
15%
Complex applications
30%
Poor credit/new business
Documentation You'll Need
Being organised from the beginning is essential. Here's what you'll need to prove your income and support your application:
SA302 Tax Calculations
Year-end tax calculations from HMRC for 2-3 years
Company Accounts
Certified by a chartered accountant
Bank Statements
Last 3 months of personal and business statements
Accountant's Certificate
Summary of business finances signed by a qualified accountant
Proof of ID & Address
Passport/driving licence and recent utility bills
Proof of Deposit
Savings statement or gifted deposit letter
Unsure how a lender will calculate your director income? Message us on WhatsApp
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Preparing Your Application
Review Your Credit History
Check for inaccurate information across different credit reference agencies. Lenders prefer borrowers with higher scores, this is one way they judge whether you're a safe borrower.
Improve Your Credit Score
Remove old associations to ex-partners or former housemates. Ensure your name and address match across all bank accounts, credit accounts, and the electoral roll.
Why Choose Us for Your Director Mortgage?
Limited Company Director Mortgage FAQs
Here are answers to the most common questions about mortgages for limited company directors. If you can't find what you're looking for, please get in touch.
Have more questions? Our team of CeMAP qualified advisers specialise in director mortgages.Book your free consultation today.
Ready to Discuss Your Director Mortgage?
Our expert brokers know where to look and who to approach. The network of banks and lenders we have access to is vast, so there are plenty of deals to compare. If we think a mortgage isn't right for you, we'll always speak up.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Frequently Asked Questions
Last updated: 27 May 2026