Mortgage for Business Owner. Done by an Expert.
Get a fast decision on a 95% mortgage based on your company’s profits and not just your own income.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
What can you expect
Get access to 1000s of mortgage rates from across the market in 3 simple steps
Free Initial Assessment
Answer a few questions about you
and your preferences. This initial
call usually takes about 30 min.
Tailored Mortgage Deal
We’ll present you with some of the
best mortgage deals and guide you
throughout the process.
Approved by Lender
Congratulations! You now
have secured a great mortgage deal.
Mortgages for Business Owners
Being a business owner can be a challenge. Running a business requires you to multi-task across finding and managing clients, dealing with your staff, keeping on top of your bills and finances as well as the admin. All takes a lot of energy and at times it can feel that it is a little too much.
You might have also realised that when it comes to getting a mortgage as a company director or business owner, things don’t get any easier. In fact, it could be much harder to get a mortgage for yourself than for your employees – even though they earn less than you do.
Banks tend to be more cautious when it comes to mortgages to business owners. They assume that your income fluctuates more than a full-time employee, and that businesses in general will suffer more from the cost of living crisis and be at the mercy of the economy.
It also does not help that banks tend to generalise all businesses with “sector” views and even if you have a strong business proposition, they may not treat you how you feel they should. To complicate things, if you have structured your finances in a tax-efficient way, as sensible business owners would do, it can be even harder to prove to a bank that you can afford the mortgage that you want.
Why choose us?
At Your Mortgage Experts we are specialist in arranging mortgages for business owners whether you are a Sole Trader, a Director of a Limited Company, a Self-Employed Contractor, or a Limited Liability Partnership.
How our expertise could benefit you:
- We work with accountants regularly, with the knowledge and experience to understand your company accounts, how you receive your income, and the value that your business generates. You will not get this expertise if you just approach your local bank or try to find your own mortgage online.
- We have the experience to present your business accounts to a mortgage underwriter in the correct way. We can get you a mortgage not just based on your salary and dividend but also looking at the net profit of the business. And if you are a new business owner with only one year of company accounts, we can also consider that.
- We have access to 1000s of mortgage product deals from a large number of mortgage lenders, including specialist lenders that best understand the more complex needs of business owners and limited company directors.
Ready to get a mortgage? We’ve got you covered! From understanding how it works to comparing the available rates on the market, we’ll guide you through the entire process.
Expert at your service
Make well-informed decision.
With 20 years experience in financial services and in the property market,
you will get the reassurance you need.
Save you money and time.
We will de-mystify the complexity of
mortgages for business owner and
navigate through the criteria and
options available to you.
Some of our happy clients
Hear what our happy clients say about us. We have helped people just like yourself.
Speak to an expert today.
Select the best option for you to discuss your needs.