Mortgages for Limited Company Directors. 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.
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Mortgages for Company Directors
Most mainstream banks tend to be more cautious when it comes to mortgages to Limited Company Directors. 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.
This is where an expert mortgage broker can help you, and direct you to those lenders, whether mainstream or specialist lenders, that understand what a “Limited Company Director” is, and want to get to know you and your business.
Through an expert mortgage broker you can unlock:
Affordability based on retained company profit, and not just dividends, in order to borrow more
Mortgages up to 95% LTV; remember though that a larger deposit may give you access to better rates; and it may be required is less than perfect credit score, or limited trading history
Trading history from 1 year or less possible, depending on the previous track record, or if you can evidence future income from contracts
Ability to raise funds with a remortgage to reinvest into your business or consolidate your business’ debt, or for other purposes such as home improvements or buying a new property.
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-Emlpoyed 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.
Looking for a Limited Co Buy-to-Let Instead?
If you are looking to buy a rental property through a limited company different rules will apply:
- The amount that you can borrow will depend mostly on the rental income from the property; and not on your personal earnings
- Lenders prefer that a BTL property is owned by a dedicated Ltd Co, created exclusively to own properties
- For more information contact us and we can discuss best options
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 company directors just like yourself.
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